Liberty Debt Relief Reviews

I had tried the same program in the past but the place that I was using bait-and-switched me into a super-high interest loan. I was really unhappy with that. Now, I'm using Liberty to help negotiate myself out of that super-high interest loan from the previous debt relief place. The rep seemed very willing to give me information. They were knowledgeable and really patient. It sounded like an honest, friendly conversation as opposed to talking to a used car salesman. So far, they've been extremely quick to respond to any kind of question, which is surprising. When I sent a customer service question, I thought it would take couple of days to get an email but in five minutes, they sent me the answer.

I'm still skeptical and I don't know if it's gonna work, but so far, Liberty has been really good. I would recommend them. I believe that they have good intentions and that it's a good program. The price is good as well. It's better than the other programs that I have researched. If it works, it is going to get me out of debt in probably half the amount of time as the program I was previously using. It's also freeing up a lot of my income because I'm having to pay a lot less towards the dedicated account. Before, I was locked up into a high interest loan, and it was tremendously hard to keep up with it. Liberty is relieving a lot of stress and giving me more opportunities to do other things.

It's everything that they said it would be and the service is good. They were honest about what they offered, how long it would take, what the payments would be. There's a little app that I can make sure my payments are going to be applied. I can see how the payments are being adjudicated. Someone's always on the other side of the line and I know where I stand at any particular time. I have another 12 months of payments and a few more to tack on with this other stuff.

They have a good, well thought-out system to talk to people. In modern times, it's very frustrating to not be able to talk to a human being who knows what's going on. If I make a call in to talk to somebody, they all can just look up my case, talk about it, give me answers quickly, give me to somebody else if they didn't have an answer. I'm glad I went with Liberty Debt Relief and not some fly-by-night place where I couldn't talk to a human for two years. They sent me a loan paper to get me to do this. But how would I have known about it without that? So I guess they found a good marketing plan. Other than that, everything has been positive. I'm happy overall. I would recommend them.

Liberty told me, "We're going to talk to the people that you owe, the credit cards and stuff. And for the moment, you're going to be making this monthly payment to us, and we'll take care of it." They've been sending me by email, for example, "Okay, we already made an agreement with this card and it's going to be this much." And they would send me another one. They're the ones dealing with the creditors so I don't have to. I'm not sure how it works, but it helps me. Also, every time I talk to somebody over the phone to ask questions, everybody has been nice and professional and they always answer my questions. Very good service.

I hope the economy gets back so I can make more money to be able to pay everything off. The person that I talked to said, "You're going to make this minimum payment to us and we'll take care of it. But if you start making more money, you can always make a higher payment." I would like to do that, to pay off everything as soon as possible. For the moment, I've been paying the minimum.

The payments are longer than I expected. One payment plan is about two years, and another is about 36 months. I didn’t think the payments would be that long for the amount. A small amount is going toward it each month for a long time, which I didn’t understand, and I’m still waiting for clarity. I’m also not sure how much their total fee is or how to fully read the agreement, so I plan to reach out to them. Overall, it’s a good experience. The only thing is that the payments last too long. I was reviewing the information and one of the questions I have is what they're charging in total. I'm a little bit unsure of how to read the agreement that they sent, which is what I'm going to reach out to them about.

In the grand scheme of things, seeing how long it’s taking and having to pay for about two years, I probably could have paid it off sooner on my own. But maybe not because the payments were really high. It was very helpful to go through the program, so I didn’t have to make those high payments. They reduced the settlement to about half, and interest stopped accruing.

I'm doing five credit cards, but altogether, that monthly payment is cheaper than what I paid on my five credit cards at a minimum payment. I'm gonna pay off what I owed a little less with 0% interest. Because I pay money into an account, and after the money builds in that account, Liberty would start reaching out to the creditors for settlements. Also,just in case one of my cards tries to sue me, Liberty Debt Relief has a legal service I pay extra for.

I'll be finished in 2028. I'm sure it's different depending how much debt people have. It's a reasonable time frame. After I've made on time payments for a year, they offer to give a loan to go ahead and pay them off and jump ahead with the creditors and your credit go back up. But I haven't got into them with them about what kind of APR they're doing with that loan. I've been taking the hit from the credit. Given my situation, no one's gonna need to do a credit check on me because I don't plan on financing anything anytime soon. So, it depends on the person's situation. But for me, it works. Liberty Debt Relief reaches out through email for anything they need from me. I've also reached out if there was anything I needed and Liverty has been quick about it. Also, there's a website I can jump on to so I can see where I'm at, what I've paid.

Now I'm due in court defenseless because Liberty will not be defending me. I am very unsatisfied with the way Liberty has handled this debt. Did Liberty feel they couldn't reach a settlement and duped me into removing this creditor? I contacted Liberty and asked for copies of the clixsign. The pdf I received via email just simply said removal of creditor. Nowhere in the pdf was all the paperwork I signed. I smell a cover up. I advise anyone doing business with Liberty to be very careful and watch what you sign. And for anyone considering using Liberty, please go elsewhere.