Liberty Debt Relief Reviews

The enrollment experience with Liberty Debt Relief is okay. When it comes to a lot of talking and my business over the phone, sometimes it depends on my day. If I'm not in the mood, I don't want to go through all the red tape and the rigmarole. So, they were good. I went with them, so they had to be all right. They're good and direct to the point. I thought I was getting a loan and they would send me the money to pay off the loans myself, like it would be a personal debt consolidated loan. But they told me they were a company to help you get them paid off. You pay them, and they help settle the accounts.

I saw Liberty online and they offered to get my finances in order. I'm in a three and a half years program with them, and I'm still doing it. My experience has been good. I'm still getting calls from my creditors, which is not cool. They told me that I'll get recalls and my credit will take a hit, and that I'll need to just let it go and it's gonna take a hit for a year, which is fine. They told me that after that, it'll jump high up. Right now, their follow-up is a little offline. So, they need to be more engaged. Other than that, for the amount of money they are saving me, I'd rate them a 5.

The people that I talked with at Liberty Debt Relief made me feel secure about the program. It went pretty smoothly with setting up everything. I was pleased with the young lady who started me with the program. I've got about four creditors that already received proposals and agreed. The payment plan is pretty good. It’d be nice if I could skip a payment again. That would help me catch up on a couple of things. But I'm satisfied with the program. It's been a very good experience so far, and things are moving along pretty well. Even my credit score went up a little bit. Although I still have some time with the program, I'm still pleased. I know it takes time to pay off creditors. I'm happy with the service so far. I'm glad I joined the program.

I’ve been with Liberty for six to eight months now. Their customer service has been good, and they’re good people to work with.

When I decided with what I was gonna do, Liberty Debt Relief was the first one I came across. The enrollment process went well. The service has been good so far. I'm just a little disappointed. They didn't get a little better deal. I feel like some of the settlements we're considering are not as great as I had hoped they'd be. The program has been redone a few times, which I wasn't expecting because of the deals that we made, so the monthly payment has increased.

I was a little iffy on starting with Liberty Debt Relief. I was wanting to know all the pros and the cons and how it was going to work. I hesitated in the beginning but because they explained everything, it made it a little bit easier. They walked me through it and I liked how straightforward they were as far as what's going to be done and how they are going to take care of my debt. I'll be able to check on it and not just have it up in the air. I have the portal to show me what's being taken care of. The other companies I talked to weren't explaining it right, but the rep with Liberty worked pretty good. He answered the majority of the questions that I asked pretty quickly. It was a quick and easy experience, and the pricing was good as well.

I Needed to switch bill dates due to disability payments being delayed. I’m happy to say I was helped in a timely manner even though I called 2 days before bill. Staff very friendly and helpful. Thank You Team!!!

Very effective and efficient and very helpful, highly recommend, I love working with all the associates here.

The agents was helpful and was able to informed me where to begin monitoring my account since I’m a first time loaner. Tho it took 5 months for me to see the action taken by your company.

It's just okay. It's helping me pay off my loan and that's it. Was also told I'd qualify for a loan by making on time payments for a year to help speed up paying off my credit card debt but nothing. It is what is. My business with debt relief will be be paid off in 1 more year so. It's whatever.

The setup was easily handled over the phone. I am happy with the helpful and pleasant customer service. I am satisfied with how my experience is going. Almost one year completed and only one year to go. Thank you.

Liberty's reps call me for updates when they've been able to reach a settlement. They inform me that they sent me a text and that I need to press yes to confirm. I also had to call them twice for questions and clarifications, and they have really been able to give me information that I can understand and are easy to digest. At this point, almost all of my creditors have settled. I might be waiting on one more, but for the most part, everyone is reaching a settlement. If any of my friends needed help with any kind of debt settlement or relief, I would recommend these guys. Their customer service has been fantastic.

I can’t leave an accurate review as I haven’t been in the program long enough to see any negotiations and/or bills paid. I can say that Liberty has a quick response time which is reassuring. So far so good as far as I can tell.

Liberty has been very helpful. I wish they would have been more transparent about the whole process because now I know they're not gonna take over my debt up until three or six months from now once I get a charge up on every single card and they can buy the debt for pennies on the dollar. So, I might just cancel the whole thing because that's gonna ruin my credit for years to come, as opposed to for a shorter time. That was the only part that was not explained to me. I should have known. I sell cars, and I'm tapped in how the finance world works. So, I should have known. I was stupid. But they know their craft.

The man that I talked to from the very beginning made me feel comfortable with Liberty Debt Relief's program. They are a reputable company. After I signed up, the phone calls all went away. I pay them $300 a month and last couple months have been hard. I have called Liberty Debt Relief, and they have been letting me split the payment up $150 on one date and $150 on another date. That has helped me and I've appreciated that. I am at a little over 40%, and the estimated completion date is September of 2028. However, at one point, somebody from Liberty Debt Relief had called me and said they have a company that loans the money to pay off the program, and I would just continue paying Liberty Debt Relief for $300 a month. But the loan place had called me and denied me. I felt I was let down. I went through getting all of my information to those people for nothing.

I bought a brand-new construction home two years ago, so I racked up debt faster than I knew I was racking up. So I was having a hard time keeping up with the bill payments, and that's when Liberty came. I saw them on Instagram and decided to see what they have to offer, and it's been great. When I first signed up, the rep I was speaking with was very relatable. It's been a positive experience from the beginning to now. Liberty Debt Relief has been very communicative in letting me know what's going on with my account. So I appreciate it. They give me calls all the time and are very supportive. They’ve settled one or two debts, so I’m very happy about that. They were little ones and it’s going to take some time for the bigger ones. But they've been working diligently.

The percentage rates have gone to the moon. It was just too much. The companies have to get into my account to withdraw. I just send the one-time payment and Liberty takes care of it. I'm really pleased.

When I first started with Liberty Debt Relief, I had a different View about the whole program. I was concerned, cause I couldn't make my monthly payments anymore. I am a person who always made my payments earlier and I always paid more than the minimum payment. Every time I called, I always had someone explaining it to me, so I realized after a few months, that the debt relief program, was a big help and I already got one settlement. I would recommend it anytime!

I have asked them to close my account repeatedly and asked for proof of termination of my account. I was told I was going to have an agent call me within the next 24-48 hours on three separate occasions days apart. It has been two weeks and I am not certain if they have terminated my account as was requested. I asked them to do a full pay off to my debtors and they agreed no money was to be taken out until they reached pay off negotiations and yet I had emails reminding me I had a payment coming. I asked for a stop pay in which they did but then they redid a payment so I told them I no longer authorize any further ACHs or debits. I let them know I was recording our conversations as well (which I did) and nothing better come out of my account. So far they have not tried to pull any further but my payments are paused and no one has verified my account is terminated as requested.

Communication is awful and a couple weeks ago I expressed I want to cancel my account and get my refund. I was responded to by Cody who said payments have been paused and a rep would be in contact with me. Since then, not one peep. I’ve sent numerous emails and get zero response.

Liberty Debt Relief program has been a nice experience for me, since I signed up a year or so ago, I'm very amaze how quick and easy the plan has worked. One of the credit cards has already been paid off, thanks Liberty.

I have spoken with several representatives and asked when things would be settled and they never have a definitive answer. I have been doing this since October 2025 and nothing has happened yet? I am dealing with a lot of phone calls from my creditors and I don’t have any answers for them. I am very frustrated with this program!

Hello, I would like to start by saying that over seven months ago, I was told you would take over my debt and that, in return, I would make payments to you—payments not much different from what I would be paying once the original debt was settled. As I mentioned, seven months have passed—the timeframe you gave me for clearing the debts—yet I am still receiving emails stating the debts remain outstanding. You keep telling me you are working on it, but honestly, I see no progress whatsoever. As far as I am concerned, you are in breach of the contract; you are punctual when it comes to collecting payments, but not when it comes to the actual service I hired you for. I would not recommend you to anyone. I'm giving them one star because they don't allow anything less.

Joined in January and have gotten a settlement on one of the debts quickly. However; a credit union that is stating they haven’t heard from Liberty has turned us over to all bureaus and is threatening legal action. We feel like you could send a little something to both debtors to keep them satisfied. That is the only problem I see. Except the website is not user friendly. Cannot see at a click all that is important.

Liberty Debt Relief respond to my calls and emails quickly. They have helped me with my debt. I no longer receive calls from debt collectors. I have been very satisfied with the service they have provided.

I was promised a walkthrough and guidance when I signed the contract but I can rarely get ahold of the agent I made the deal with. It’s been 5 months of paying LDR and still nothing has been resolved. The credit companies continue not only calling me and emailing me daily but have extended to reaching out to my family members. I see absolutely no progress in this journey.. almost makes me feel I should have just dealt with the creditors myself because I don’t feel I’m being assisted at all.

So I'm not super satisfied with this at this moment in time. It was explained to me that I would pay Liberty Debt Relief and all of my accounts would go to zero. We discussed this they walked me through the process and how it would go. I have never missed a payment on any of my accounts, I simply had a bit more than wanted to on my cards and was gaining a bit more in interest than I anticipated. But I always made at least the minimum payment on time, most of the time I paid early.

Liberty Debt Relief has been a great experience. They are friendly, informative, and reassuring. They always keep me updated on the progress of the program. They went over each step of the program in detail and even gave me financial advice which I appreciated. I would definitely recommend this program to my friends and family. Liberty debt relief was an easy and smooth process.

One of the most annoying things with Liberty is that after you get a settlement offer they want you to pay a large amount of money upfront or they want to increase your payment for the next six months. Most people can’t afford this and is probably the reason they consolidated in the first place.

Liberty Debt Relief has met my expectations in my case. Helping me take care of debt that had gotten out of hand. They let me know when a company is paid off and any other situation needed to be taken care of. They are very professional.

I've had two settlements in the first 6 months. Making my payments. It's a bit unnerving to keep getting calls from collection but worth the results. Information is clear, and support available. Website is easy to follow results and gives n you many options. Thank you Liberty Debt.

Customer service poor, a lot of hidden fees, 0 account monitoring. No one seemed to be truthful about what was actually being charged to me, very hard to get someone on the phone. In the beginning they are pushy for a settlement but once they settle and they start getting paid they seem to not look for other account settlements. I called my loans directly and settled easier than I did with Liberty. Canceled my account after really looking into the numbers and realizing a lot of my moneys going to fees. Marco ** senior account specialist was one of the best to speak to about my account. Alice ** customer service manager was by far the best customer service I had my entire time at liberty debt. My advice is to ask for the fee breakdown when they give you the amount they are saying they will save you. If I were to continue my account I was paying more than my initial enrolled debt.

I chose Liberty Debt Relief due to reviews I had read. My agent Ken has been very helpful in getting my debts negotiated. I have had good response. Two of my debtors have accepted the negotiation. I'm pleased with the monthly payment I pay LDR. The payment is less than what I was paying every month. It's comforting knowing I can be out of debt in 48 months.

I have only been with Liberty Debt Relief for a few months, just did my third payment and everything is going smoothly. If I need to ask a question I have numbers to call or email any concerns. I have already had one creditor going with a settlement. So far I am very satisfied with how this is going. Thank you.

My overall experience with Liberty Debt has been pretty good. Just set me up a contract for a certain amount to be paid every month. I've been with them for about a year. They've been helping me to all the process. I am happy with them thus far. I have not needed to pay any extra. My contract is for 3 years. No extra fees, no gimmicks. I am happy with them thus far. I have settled with three out of my six or seven credit card companies. It's been an easy experience. I don't have to deal with them or my correspondence. I send them to Liberty debt and they take care of it. So far I have not been harassed by any collection agencies. Overall it's been a great experience. I recommend this company to anyone and I thank them for the work they do. GOD bless.

Liberty Debt Relief has been excellent ever since the beginning. They helped me with everything, especially in the beginning when it was a very nervous situation. I’m really appreciative of their professionalism and their kindness and I would suggest anyone to use your service.

Great people over there. They always answer. I was about to switch to a different company and ended up staying because instead of trying to hold me they gave me advice and helped. They really care. Thank You.

So far it's been a little hard, the phone calls are relentless, even 9 and 10 o'clock even on Sunday. Although I'm convinced I'm doing the right thing, my wife is worried some. She feels the same as I do, we're on the path to get out of the rut we were in. Thanks guys. RSM

Liberty Debt Relief Sucks. They lie about everything. They're initial representative lied about their program, how much it cost, what my savings would be and how I would be treated. Subsequent representatives also lied about my program. Not telling me my credit score would drop over 100 points and that my Settlement Offer plus their fees would almost be the same as my actual bill, plus I'd have 20 months of additional bills. I canceled my plan and of course they cannot give me a full refund. I will sue them when I get my refund back. Beware - this is a scam.

I was honestly very terrified at first going by through this process. I always had good credit but I couldn’t afford to pay the monthly anymore and Liberty Debt Relief just made it easy and took care of everything. The first few months my credit dropped but now it’s picking back up as I have taken care of all my debts. 100% recommend.