At a Glance
Rating Breakdown
Performance Overview
Scores out of 5, based on our editorial analysis
About Liberty Debt Relief
Liberty Debt Relief operates as a subsidiary of Set Free Solutions, which also owns several lead generation websites in the debt relief space. If you came to Liberty through an online form, you were likely first processed through their parent company's lead funnel -- this isn't inherently bad, but it means your information has been through multiple systems before reaching your actual negotiator. Ask your enrollment counselor directly whether your intake originated from a partner site. Founded in 2013 and based in Tempe, Arizona, Liberty follows the standard settlement model: you stop paying creditors, build an escrow fund, and their team negotiates lump-sum settlements. Their BBB rating is A (not A+), which typically reflects a pattern of complaints about communication gaps during the middle months of the program -- the period between enrollment and first settlement when clients feel least informed. One thing Liberty does reasonably well is their initial consultation process. Their enrollment counselors provide detailed breakdowns of which creditors in your portfolio are most likely to settle and in what timeframe. However, the enrollment counselor is not the same person who will negotiate your settlements, so verify that the projections given during enrollment match the actual negotiation team's assessment.
Key Features
Detailed Enrollment Analysis
The enrollment counselor walks you through odds per creditor. Good information, but verify it with the actual negotiation team — they are different people.
Performance-Based Fees
No fees until something settles. Standard 15-25% on the enrolled balance, not the settled amount. Do the math before you sign.
Client Dashboard
Online portal tracks your escrow balance, settlement status, and projected finish date. Updated monthly so you are not left guessing.
How It Works
Lead Intake
Your inquiry may have come through a partner site before reaching Liberty. Ask upfront — it does not change the service, but you deserve to know.
Debt Analysis
An enrollment counselor reviews your creditors and gives you per-account timeline estimates. Write these down and compare to what the negotiation team says later.
Escrow Setup
You open an FDIC-insured savings account and start depositing monthly. The money is yours until you approve a settlement.
Negotiation Phase
As your escrow grows, Liberty's team starts contacting creditors. They go after the accounts most likely to settle first.
Settlement & Completion
You see every offer before anything gets paid out. Program wraps up when all enrolled debts are handled.
What They Do
- Debt Settlement
- Debt Negotiation
- Credit Card Debt Relief
- Financial Hardship Programs
Debt Types They Take On
- Credit Cards
- Medical Bills
- Personal Loans
- Collections
- Store Cards
Fee & Cost Structure
Regulatory & Trust
Review Summary
Notable Case Studies
Credit Card Consolidation
Someone with $45,000 across 7 credit cards. The enrollment counselor said 30 months. The negotiation team actually finished in 34. That gap is worth knowing about.
Pros & Cons
Pros
- Enrollment consultation provides per-creditor settlement probability analysis
- Online dashboard with monthly timeline updates keeps you informed
- Performance-based fees mean you pay nothing if nothing settles
- Available consultation by phone, which some clients prefer over video-only competitors
Cons
- Parent company Set Free Solutions routes leads through multiple systems before you reach a negotiator
- BBB rating is A rather than A+, reflecting communication complaints during mid-program waiting periods
- Enrollment counselor projections sometimes differ from actual negotiation team assessments
- Fewer online reviews than larger competitors make it harder to gauge consistency
User Reviews (8)
how did they get my number tho
Filled out some random debt help form online. Liberty called the next day. Turns out the website is owned by the same parent company. Not illegal or whatever but I would've liked to know that upfront. The actual service was fine once I got past the weird lead routing thing.
silent middle months
Enrollment was great. First settlement notification was great. Months 4 through 8 in between? NOTHING. I called 3 times with no callback. That silent stretch is where people drop out and I almost did. Results were decent but they really need to fix that communication gap.
good initial consultation
The enrollment counselor broke down each creditor with estimated percentages and timelines. Projections were close to what actually happened. Shoutout to Derek on that call.
the person who sold me on it vanished
Amazing enrollment counselor. Knew everything. Gave me confidence. Then poof, gone. Negotiator was someone totally different. Their timeline projections didn't even match what enrollment told me. First settlement took longer than quoted.
fine
Dashboard shows escrow balance and settlement status. Updates monthly. Not real-time but it's enough to stop you from freaking out.
ok I guess
My sister in Vermont got declined. They cover fewer states than most competitors.
I ALMOST FILED A COMPLAINT MYSELF
68 CFPB complaints for a company this size is not great. Read them - it's all communication gaps and fee confusion. BOTH of those happened to me!! I couldn't get anyone on the phone for a week straight during month 7 and the fee structure was different from what I thought I agreed to. Results were OK but the experience getting there was so frustrating I almost filed a complaint myself no joke.
said 30 months. took 38.
Enrollment said 30. Negotiation team said 30-36. Actual: 38. They didn't even update my timeline until month 24 when it was obvious to everyone. Eight extra months of stress I didn't budget for mentally or financially.
Write a Review
Frequently Asked Questions
Related Companies
Important Debt Settlement Disclaimers
- Debt settlement involves negotiating with creditors to accept less than the full balance owed. This can result in tax liability on forgiven amounts exceeding $600. You may receive a Form 1099-C from creditors for canceled debt.
- Debt settlement may negatively affect your credit score and can remain on your credit report for up to 7 years. During the program, you will typically stop making payments to creditors, which causes late payment marks and potential collection activity.
- Not all creditors will agree to settle. Some may pursue legal action, wage garnishment, or bank levies during the settlement process. A debt settlement company cannot guarantee protection from lawsuits.
- Results vary based on individual circumstances including the types of creditors, account age, and your ability to fund the escrow account on schedule. Past results do not guarantee future outcomes.
- Debt settlement fees are typically 15%-25% of the enrolled debt amount. The FTC prohibits debt settlement companies from charging upfront fees before settling at least one debt. Confirm that your chosen company complies with this rule.
- Alternatives to debt settlement include debt consolidation loans, nonprofit credit counseling and debt management plans, balance transfer credit cards, and bankruptcy. Consult with a licensed financial advisor or attorney before enrolling.
- Zogby is an independent comparison service and does not provide debt settlement services. We do not negotiate with creditors on your behalf or manage settlement accounts.
This page is informational, not financial or legal advice. Talk to a qualified professional before making any big money decisions.
Editorial Independence
We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.