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Debt relief companies can be found in every corner of the nation. But which ones are worth working with? At Ascend, we do deep dives into debt relief companies’ reviews and information that is available and compile it here! This article will specifically look at Liberty Debt Relief. Keep reading to learn more about the company and whether it might be the one for you. If you would like to talk to someone about your debt relief options, give us a call! At Ascend, we give honest and unbiased advice, and we would love to help you! With that in mind, keep reading to learn more about Liberty Debt Relief.

What Is Liberty Debt Relief?

Liberty Debt Relief is a debt relief company. According to the website, they offer a few different forms of debt relief. The first, and most likely primary, form of debt relief is debt settlement. It appears as though they also offer debt consolidation, debt management, and private student loans. Depending on what you prefer, these options may be something worth considering. 

Debt settlement is a debt relief process where a third party negotiates with your creditor on your behalf. The goal is to lower the total payment you owe the creditor which will sufficiently close your account. Oftentimes you can save as much as 50%, or even more, of the total debt you owe. Debt consolidation is typically when you take out a single loan to cover all of your debt. You then have one singular payment to make rather than multiple large payments. Finally, with debt management, you work with a credit counselor who can help you organize your finances and rearrange your payments to make debt payments more manageable. 

Regardless of what option you choose, Liberty Debt Relief offers everything you need to get back on your feet after devastating debt. According to its website, Liberty Debt Relief has been operating since 2013, over 9 years. 

How Much Does Liberty Debt Relief Charge?

While debt relief companies do offer financially struggling individuals help, they are still for-profit businesses. Because of this, Liberty Debt Relief does charge for its services. The cost depends on what service you choose. For debt consolidation, the charge typically comes from the interest on the loan itself. With debt management, there is typically a single set-up fee that is normally around $75. After that, there is a month-to-month payment that can range from $25-100, depending on the company. 

Unfortunately, Liberty does not disclose what they charge for debt management on their site. Because of this, we assume the charges are within industry standards, but we cannot confirm that. The same is true for the debt settlement charges. While there is an industry standard — between 15-25% of the enrolled debt amount — Liberty does not disclose what they charge on its website. However, at the bottom of the website, there is a disclaimer that says they can charge up to 27% of the enrolled debt amount. 

With this in mind, let’s take a look at what actual clients have to say about their experience with Liberty Debt Relief.

BBB Reviews

Liberty Debt Relief has an incredibly positive BBB page! They are a BBB Accredited company with an A+ rating. From the 62 customer reviews, Liberty has an average of 4.87 out of 5-stars. Surprisingly, there are no complaints on the Liberty Debt Relief BBB page. This is uncommon for businesses in general but is especially uncommon for companies that deal with debt relief. 

Incredibly, all of the reviews are either 4 or 5-stars. They mainly rave over the incredible customer service, the efficiency of the program, or the great debt relief they received working with Liberty. 

It is interesting to note that the earliest review only dates back to September 2019, and the most recent review was from November 2020. This means that all of their BBB reviews occurred within a 1-year time frame. While this may be easily explained, it is something interesting to consider. It is also another reason why you want to check multiple review platforms while researching a company! Let’s take a look at Google to see what reviews we can find there. 

Google Reviews

If you thought the BBB reviews were an anomaly, you’ll be surprised to hear that Google reviews are just as positive. With 113 reviews, Liberty Debt Relief has a 4.8 out of 5-star average rating. In fact, there are only two 1-star reviews (one of which seems accidental as the comment is very happy and encouraging), two 3-star reviews, and the rest are 4 and 5-stars!

Upon reading through the reviews, we are very encouraged by the point in time it seems that most of the reviews were written. Sometimes, debt relief companies will push potential clients who have just had their first point of contact phone (with their very best customer services reps) to submit a review before any service being rendered. This leads to a lot of reviews that read something like, “they answered all my questions,”  or “I’m so excited to get started!” This can be a red flag because it shows that companies are trying to buffer their reviews with high, yet empty, reviews. Liberty’s reviews are not like this. It seemed each review was thorough, detailed, and specifically focused on the service provided instead of the promises made. Here is just one example of the incredibly thorough and honest reviews you can find on Google:

We would encourage you to make sure you fully understand the debt relief process you choose to go through to make sure you are aware of whether or not your debt relief company of choice is taking advantage of your situation. In this case, it’s apparent that Liberty was completely transparent and honest about the debt settlement process. While there are absolutely risks and consequences, there are also incredible benefits if you stick with them. Let’s take a look at some of the other review platforms.

TrustPilot Reviews

Liberty Debt Relief’s TrustPilot page has almost 200 reviews with an average rating of 4.3 out of 5-stars. For the most part, the reviews are similar to those found on Google and BBB. However, there are a few more negative reviews on this platform. I think it is worth mentioning that, while we totally believe it is the company’s job to inform the client of the risk they are taking, it is also the responsibility of the client to decide whether or not it is worth the risk before signing up for debt settlement. We say this because it is apparent that many of the negative reviews come from clients that may not have considered the consequences of debt settlement before signing their contract. The negative reviews complained about the lawsuits they received, their credit score tanking, and the phone calls they keep getting from creditors. Please make sure that you are fully aware of the dangers of debt settlement before you begin the process so you are not blindsided by any consequences. 

Aside from the few negative reviews, again Liberty mainly has 4 and 5-star reviews on TrustPilot. Reviews show that they are kind, courteous, and work fast.


Liberty Debt Relief has a refreshingly positive online presence. In a world where most debt relief companies are bashed online for shady practices, Liberty has minimal complaints and glowing reviews. While the choice is ultimately up to you, we think Liberty might be worth looking further into. If you’d like to talk to someone about your options, give us a call! We’d love to help. 

Post Author: LincolnE

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