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About Liberty Debt Relief
Based in California, Liberty Debt Relief is a debt settlement company that helps consumers settle their unsecured debt for less than the full amount owed. It also offers help with private student loan debt and offers a debt consolidation program for clients who want to roll their debts into one manageable bill. It is an accredited member of the American Fair Credit Council (AFCC).
Pros & Cons
- Available for private student loans
- Free consultation
- Accredited by AFCC
- Not available in all states
- High fees
While not available in all states, Liberty Debt Relief can settle credit card, medical and business debts, as well as private student loan debts. The fee can be up to 29%, but a free consultation will give you a better idea of how much you will pay.
“Liberty Debt Relief has helped me in so many ways to get me out of the debt I was in. I would definitely recommend them to anyone looking to get out of debt. Customer service is ...Read full review
“Liberty was easy to talk with and they made me feel very comfortable. Everything went really smoothly during the enrollment. … They have an online dashboard that I can look up an...Read full review
What is Liberty Debt Relief?
Founded in 2013, Liberty Debt Relief helps clients get out of debt through debt settlement and debt consolidation. It does not work with secured debt (debt that is backed by collateral, such as mortgage debt or vehicle debt). The company offers services for private student loan debt, but it cannot help with federal student loans. It offers 24/7 support.
As a client, you will receive access to an online portal that allows you to track the progress of your account, as well as communicate with your debt specialist directly.
How does Liberty Debt Relief work?
The process for each service varies slightly, but every Liberty Debt Relief client must request a free assessment. This free assessment will evaluate which debt can be enrolled into services and which service is the best match for you. You should also receive more information about the service terms, too, including the cost and how long it will take.
Liberty Debt Relief products and services
Liberty Debt Relief offers two main services: debt settlement and debt consolidation. Requesting a free consultation can help you better understand how the company performs each of these services.
Liberty Debt Relief fees
Exact fees with Liberty Debt Relief vary depending on your debt situation. Liberty Debt Relief does not charge any fees upfront. The company charges up to 29% of the debt to be collected after a debt is settled, and fees can vary depending on your state. The company does not publish its fees for debt consolidation.
Liberty Debt Relief FAQ
Does Liberty Debt Relief have a money-back guarantee?
Liberty Debt Relief does not guarantee its services or offer a money-back guarantee.
Will using Liberty Debt Relief hurt my credit score?
If you use the debt settlement program, it can hurt your credit score, since debt settlement usually requires clients to stop paying creditors. Debt consolidation generally has significantly less impact on your credit because you pay off debts using a loan.
Is Liberty Debt Relief legit?
Liberty Debt Relief is a legitimate company and is an accredited member of the AFCC, which sets professional standards for its members. You can start by contacting the company for a free debt relief consultation and find out if you’re eligible for its services.
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Reviewed Oct. 14, 2020
Liberty Debt Relief has helped me in so many ways to get me out of the debt I was in. I would definitely recommend them to anyone looking to get out of debt. Customer service is amazing and they always know just what to do when I am in a jam. With Liberty Debt Relief you can get back on track too.
Reviewed Oct. 6, 2020
This company was always clean with their word and service and always available. They also had a fast response. Reliable service. I always updated about the process and handle my accounts very well and very clear on what the service provides.
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Reviewed Sept. 25, 2020
So far, my experience with Ryan and the staff has been excellent. An agreement for one of my debts was reached quicker than I expected. If the remainder of my debts go as smoothly, I will certainly recommended it to family and friends. Being a spokesperson would not be out of the question.
Reviewed June 13, 2020
Liberty was easy to talk with and they made me feel very comfortable. Everything went really smoothly during the enrollment. I did everything over the phone. They have an online dashboard that I can look up any time and I've really been happy with their communication. They also worked with me on a very affordable plan. The lady who enrolled me was really thorough and complete. I spoke to another person who kinda reviewed everything with me. And since then, I've been mostly doing everything online.
Reviewed April 24, 2020
Things have been pretty good in the year and a half that I've been with Liberty Debt Relief. They communicate well through email and text messages. The payment plan has been working well for me too.
Reviewed April 7, 2020
They are available to answer questions and explain how the program works. I feel they work diligently to resolve my debts. They keep me updated when they reach a resolution with a creditor. Their "Dashboard" helps me monitor my progress in reducing my debts.
Reviewed April 5, 2020
They promised to pay my bills in a certain time frame and get me out of debt in certain time frame/the price they quoted was vas very reasonable..I would recommend them to all my friends and family members. Keep on doing the good you are doing for me.
Reviewed April 4, 2020
I was in debt and living paycheck to paycheck. The reason I became so much in debt is because I’m a mom of four kids, a fulltime student, and I was working a minimum wage job. In order to be able to make sure that my kids have everything they needed, I ended up getting into debt. Most of my money was going to credit card payments and student loans. I tried several times to get a personal loan to consolidate everything and just put it into one monthly payment but because of my debt-to-income ratio, it wasn’t approved anywhere. Liberty seemed like a good option.
Right now they take out $100 every two weeks when I get paid. They negotiate with the credit card companies as to an amount to be paid for the debt to be considered basically completed or paid for. However it was confusing and scary at the same time. I was micromanaging everything from the beginning, and I was making sure that all my payments were made on time. I wasn’t late, and just thinking that I had to let everything go, not pay for it and not think about it and let them take care of it, that was kinda nerve-racking. It took me about two weeks for me to make the final decision and just let them deal with it.
Liberty said that they reached an agreement or a settlement with one of the credit card companies and they’re working on another one. It has taken a lot of responsibility out of my plate because it’s very overwhelming. I don’t have to come out of pocket with $600 a month. Instead, I’m just giving $200 into an account and little by little they take care of it. It has relieved a lot of the stress of being in debt. I feel a little bit more relaxed.
Reviewed March 24, 2020
We have signed up for the Liberty credit card program and the good thing about is that we don't have to worry about a lot of credit cards. We're doing good so far but we're worried about the minimum total that we paid. Still, it's a good help for people who needed it for credit cards.
Reviewed March 14, 2020
You're not told you will be taking out an extremely high interest rate loan at the beginning of the program. The interest rate is higher than the amount you owe on your debt. They also don’t tell you that your schedule debt that isn’t paid, you will have to pay or owe on your income tax when you go to file. You have to come up with federal tax money. You never get out of being in debt. It catches up with you on other fashions, they really need to tell people this is the beginning!
Liberty Debt Relief Company Information
- Company Name:
- Liberty Debt Relief
- Company Type:
- Year Founded:
- 333 City Blvd W Fl 17TH
- Postal Code:
- United States
- (949) 835-0390
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