Liberty Financial USA's Story

Who We Are

Liberty Financial USA is a leading debt relief company helping consumers’ with their unsecured debt on a cost effective basis. Liberty Financial USA has a long standing reputation for excellence in the representation of consumers. Our success rests on the relationships we build with our clients. These relationships are built on trust, understanding and mutual respect. For over a decade, we’ve been helping consumers resolve their financial problems. We have also been a strong proponent in protecting consumers against unscrupulous collection agencies. Over the past decade, we’ve successfully negotiated over $1 billion in consumer debt in the range of 40% of original balance as initially entered into our Debt Negotiation Program. We have helped thousands of consumers with their financial problems and have maintained an A+ rating with the Better Business Bureau. 

 

Debt Counseling

Debt Management

Credit Report Review

Student Loan Counseling

Bankruptcy Counseling

Debt Counseling

Liberty Financial USA offers free credit counseling and debt counseling to help ease your financial stress, address your financial concerns, and develop a plan for living a financially healthy life. If you’re concerned about debt, we’ll provide options to help you get out of debt. Our caring, certified experts will partner with you to:

– Understand your financial situation and goals
– Develop a personalized budget
– Explain your debt management options
– Offer recommendations for how to get out of debt
– Develop a personalized action plan for moving forward

The debt counseling session can be conducted over the phone. Or, if you prefer, you can meet with us in-person at one of locations. No appointment is necessary for phone sessions. Scheduled appointments are required for in-person meetings.

Each year, we work with thousands of people to eliminate credit card debt. You may qualify for a Liberty Financial USA Debt Management Plan. Or debt advice and money management tools may be all you need to pay your debts on your own.

People often find it difficult to dial the phone and ask for help with debt. Your call will be answered by a caring, compassionate expert who understands that financial hardships happen to good people. We will treat you with care and respect, and we will never be judgmental. We’re committed to your success in becoming debt-free.

Debt Management

Are you tired of living with the stress and anxiety that goes along with credit card debt? Stop suffering. Liberty Financial USA Financial Wellness specializes in working with people to eliminate credit card debt.

If you want to eliminate credit card debt and reduce financial stress, you may find debt relief through Liberty Financial USA’s Debt Management Plan. If appropriate for your situation, Liberty Financial USA will contact your creditors to propose mutually agreeable debt repayment terms. Liberty Debt Soluion’s Debt Management Plan may:

• Stop collection calls
• Lower interest rates
• Lower monthly payments
• Waive late fees and over limit fees

A female Liberty Financial USA counselor talks to a consumer and enters data at her workstation.People often struggle to eliminate credit card debt. They make monthly payments, but their balances don’t decrease because they incur additional interest charges, late fees and over limit fees. They feel like they’re on a debt treadmill — working hard, but making little progress.

A Liberty Financial USA Debt Management Plan could enable you to pay off your credit card debt quicker, while saving lots of money in reduced interest charges.

On a Debt Management Plan, you would consolidate debts into one payment to Liberty Financial USA. Each pay day, you automatically deposit money to your Liberty Financial USA account using electronic funds transfer. We use that money to pay your creditors on your behalf.

Last year, Liberty Financial USA repaid nearly $300 million on behalf of about 45,000 people who worked to eliminate credit card debt with a Debt Management Plan.

This isn’t debt settlement. You will pay off credit card debt balances within five years. And, if we can lower your interest rates, the total amount you pay to the credit card companies will typically be much less than if you paid on your own. Use our credit card debt calculator to compare paying on your own versus paying through a Debt Management Plan.

Credit Report Review

A poor credit score can create potholes and pitfalls on your path to financial health. Over the life of a single loan, your credit score could either save you thousands of dollars or cause you to pay much more in interest charges. So it’s important that you manage your credit score closely.

Lenders use your credit score to set your interest rate when you buy a car or house, which determines how much you will pay for the loan. Your credit score can influence your credit card interest rate and the amount you pay for insurance. When you interview for a job, information on your credit report can even influence whether you are offered employment.

One blemish, such as a late payment, can lower your credit score very quickly. However, increasing your credit score takes time. There is no “quick fix” to improve your credit score. Be skeptical of any company that says they provide credit repair.

It’s critical that you understand how to read your credit report, how credit scoring works, and how to manage your credit score. Let a Liberty Financial USA credit report expert take you through a free credit report review.

Access Your Free Credit Report

You can obtain one free credit report per year from each of the three credit bureaus — Experian, Equifax and Trans Union. Access your free reports at www.annualcreditreport.com. The reports are free, but expect to pay about $5 if you want to see your credit score.

Student Loan Counseling

1) We will determine how much you owe, payment terms and repayment program eligibilty for each loan.

2) We’ll make sure you understand the pros and cons for each option.

3) We’ll provide unbiased advice, and create a personalized plan just for you.

We hear comments like this every day:

– I can’t afford to pay my student loans!
– Which student loan repayment option is best for me?
– Should I consolidate my student loans?

If you’re feeling stressed about student loan debt, call GreenPath’s Student Loan Helpline at 855-400-3718.

Making the wrong decision can be costly. We’ll empower you to make an informed decision on which repayment option is best for you. GreenPath offers two tiers of service to empower you to regain your financial footing:

Student Loan Counseling – $50

A certified student loan expert will:

Review each of your student loans. We’ll determine how much you owe, payment terms, and repayment program eligibility for each loan.
Explore your repayment options. We’ll make sure you understand the pros and cons of each option.
Develop a customized plan. We’ll provide unbiased advice, and create a personalized plan just for you.
Enhanced Student Loan Counseling – $200

Need additional assistance? Our Enhanced Student Loan Counseling is especially helpful if you’re in default or having trouble with your loan servicer(s). You will receive all the Student Loan Counseling services listed above. In addition, a certified student loan expert will:

Conduct an in-depth analysis. We’ll guide you in navigating your loan repayment options and do some of the legwork for you.
Address delinquent and defaulted loans. We will create a personalized plan to bring your delinquent loans current, and rehabilitate any defaulted loans.
Submit paperwork. If appropriate, we’ll work with you to complete the application process for securing a student loan repayment program.
Contact your loan servicers(s). We’ll work as your advocate and partner with you every step of way until a final resolution is reached.

Bankruptcy

Are you considering filing for bankruptcy?

If you have not yet decided whether to file for bankruptcy to eliminate credit card debt or other types of debt, contact GreenPath for a free debt counseling session. We will partner with you to:

– Understand your financial situation and goals
– Develop a personalized budget
– Explain your options to eliminate debt, including bankruptcy
– Offer recommendations for helping you get out of debt
– Develop an action plan for moving forward

Have you already decided to file for bankruptcy?

If you have already decided to file for bankruptcy, go to www.libertydebtsolution.com.

In order to file a Chapter 7 or 13 bankruptcy, you are required to complete bankruptcy counseling from an agency approved by the U.S. Department of Justice. Liberty Financial USA is approved to provide bankruptcy counseling and the certificate required to file for bankruptcy. We are also approved to provide the bankruptcy education course necessary and the certificate required to discharge your debts. These bankruptcy counseling and education services are available at www.libertydebtsolution.com.

Bankruptcy counseling and education is available online or by phone.