Call (813) 235-4570
Personalized Guidance.
Informed Choices.

We help individuals better understand their own financial circumstances and the general options that exist, so they can make their own informed decisions.

We are an independent financial-education service, not a lender, law firm, debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors or perform these services.

Free  ·  Confidential  ·  No obligation
Call us now  (813) 235-4570
Free, no obligation
Understand your situation
No sales pressure
Confidential & secure

The process

How it
works

Liberty is an independent financial-education service. We are not a lender, law firm, or debt-relief, debt-settlement, debt-consolidation, or credit-repair provider. Our job is simply to help you understand how your own financial situation works and what general categories of options exist, so you can make your own informed decision.

01.
Share your situation
You tell us what is going on in plain terms. There is no cost and no obligation. It is simply a conversation to understand where you stand.
02.
Understand how it works
We explain, in plain language, how the pieces of your situation actually work, things like how interest and minimum payments behave, and how to read your own numbers. No judgment, no pressure.
03.
Learn the general options
We walk through the general categories of approaches people use to handle their finances, in neutral terms, what each one is, and the kinds of trade-offs involved.
04.
Decide for yourself
You leave the conversation understanding your own situation and able to make your own informed choice. What you do next is entirely up to you.

Important

What Liberty is

Liberty Debt Solutions is an independent financial-education service. We help people understand how their financial situation works and what general categories of options exist, so they can make their own informed decisions.

We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, and we do not perform any of these services. We hold no client funds and have no fiduciary role. Our product is understanding.

Ready to understand
your situation?

A free, no-obligation conversation to help you understand how your finances work.

No pressure, no obligation. Just a clear, honest explanation of how your situation works.

Free session

Book a free session

No pressure, no obligation. Just a clear explanation of how your situation works.

HomeBook a Call
Free session

Book a free session.

Pick a time that works for you. We will help you understand how your own financial situation works, in plain language, and answer your questions. No pressure, no obligation.

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeAbout Us
Our story

We believe everyone deserves to understand their finances and make informed decisions with confidence.

Liberty Debt Solutions was built on one principle: people deserve to actually understand their own finances, in plain language, so they can make their own decisions with confidence.

Explaining how the numbers work in plain language

Who We Are

Liberty Debt Solutions is an independent financial-education service. We work with people who want to understand their own financial situation. We explain, in plain language, how the pieces work and what general categories of options exist, so you can make your own informed decision. We are not a provider of any debt program.

We are not a law firm, a bank, a lender, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors and we do not perform any of those services. What we do is help you understand your own numbers and the general landscape, so the decision about what to do next is fully yours.

What We Actually Do

When someone reaches out, we have an honest, plain-language conversation about how their situation works: how interest and minimum payments behave, how to read their own numbers, and what general categories of approaches exist. The goal is understanding. What you choose to do afterward is entirely up to you.

We are not paid based on any decision you make.

What We Are Not

We are not a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider, a lender, or a law firm. We do not negotiate with creditors, service accounts, or hold your money, and we have no fiduciary role. We do not guarantee any outcome.

Our only product is understanding. We explain how things work; the decisions, and any next steps, are always yours to make.

Topics We Can Help You Understand

  • How credit card interest and minimum payments work
  • How to read your own income, expenses, and balances
  • Budgeting basics
  • How credit generally works
  • The general categories of options that exist, in neutral terms

Everything we offer is educational.

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeHow It Works
The process

Simple. Transparent. Educational.

Here's how our financial-education process works, step by step.

Mapping out the plan that fits you

The simple version: you talk to us, and we help you understand how your own situation works and what general options exist, so you can decide for yourself.

Step 01

Share your situation

You tell us what is going on, in plain terms. There is no cost, no obligation. It is simply a conversation to understand where you stand.

Step 02

Understand how it works

We explain, in plain language, how the pieces of your situation actually work, things like how interest and minimum payments behave and how to read your own numbers. No scripts, no pressure.

Step 03

Learn the general options

We walk through the general categories of approaches people use to handle their finances, in neutral terms, what each one is and the kinds of trade-offs involved.

Step 04

Decide for yourself

You leave understanding your own situation and able to make your own informed choice. What you do next is entirely up to you.

Important: Liberty is an independent financial-education service. We are not a lender, law firm, or debt-relief, settlement, consolidation, or credit-repair provider, we do not negotiate with creditors.

What we can help you understand

  • How credit card interest works
  • How minimum payments work
  • How to read your budget and balances
  • How credit generally works

Ready to understand your situation? Book a free session with our team.

Call (813) 235-4570

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeFAQ
Common questions

Answers to what people ask most.

Honest answers about our financial-education service. Don't see your question? Call (813) 235-4570.

What exactly does Liberty Debt Solutions do?
Liberty Debt Solutions is an independent financial-education service. We help you understand how your own financial situation works, in plain language, and what general categories of options exist, so you can make your own informed decisions. We do not settle debts, negotiate with creditors, repair credit, or lend money. Our product is understanding.
How do I get started?
Book a free session using the calendar on our site, or give us a call. There is no application to fill out, just an honest, plain-language conversation about how your situation works. No pressure, no obligation.
What can you actually help me with?
We help you understand your own finances: how interest and minimum payments work, how to read your budget and balances, how credit generally works, and, in neutral terms, what broad categories of options exist. We explain the landscape so you can decide for yourself. We do not recommend or sell any specific program.
How much does it cost to work with Liberty?
Our financial-education sessions are free. We do not charge you, and we are not paid based on any decision you make. If you later choose to pursue something on your own, any costs would come from whoever provides that, never from us, and that choice is entirely yours.
Will talking to Liberty affect my credit?
No. A financial-education conversation with Liberty does not affect your credit in any way. We do not pull your credit or take any action on your accounts. We can help you understand, in general terms, how various approaches tend to affect credit, so you can weigh that yourself.
Do you settle or negotiate my debts yourselves?
No. Liberty does not settle debts, negotiate with creditors, service accounts, or repair credit. We are a financial-education service. Our role is to help you understand your situation so you can make your own decisions.
Is Liberty a financial services company?
No. Liberty is an independent financial-education service. We are not a financial services company, a bank, a lender, a financial advisor, a law firm, or a debt-relief, settlement, consolidation, or credit-repair provider, and we do not provide legal, tax, or financial advice. We provide general financial education only.
Are you a debt collector?
No. Liberty is not a debt collector or a collection agency. We do not buy, own, or attempt to collect on any debt, and we do not work for your creditors. We are an independent financial-education service that helps you understand your own situation.
What if I am not sure which option is right for me?
That is exactly what a session is for. Most people are not sure, and there is no single right answer for everyone. We lay out how things work and the trade-offs of the general options in plain terms, so you can make an informed choice for yourself.
What will I walk away with?
A clearer understanding of your own financial situation and the general options that exist, in plain language, with no pressure. What you choose to do next is entirely up to you.

Still have questions? We are happy to talk through your situation at no cost.

Call (813) 235-4570

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeBlog & Guides
Learn the basics

Financial Education.

Practical, honest financial-education articles on how credit, interest, budgeting, and your consumer rights actually work.

Credit
How Credit Card Interest and Minimum Payments Work
A plain-language look at how credit card interest is calculated, how minimum payments are set, and how to read what a balance is really costing you.
Read more
Budgeting
Building a Budget That Sticks
A step-by-step framework for listing your income and expenses, seeing where your money goes, and building a budget you can actually keep using.
Read more
Know Your Rights
Your Rights When a Debt Collector Contacts You
A plain-language guide to the Fair Debt Collection Practices Act and what debt collectors can and cannot legally do.
Read more

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeBlog

Want to understand your situation? Book a free session with our team.

Call (813) 235-4570

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeHow We Help
How we help

Ways we can help.

We help you understand how your own financial situation works, in plain language, so you can make your own informed decisions.

Exploring the options that fit your situation

Liberty is an independent financial-education service. We do not provide or sell any debt program, and we do not negotiate with creditors. What we do is help you understand your own situation and the general landscape, in neutral terms, so any decision you make is a fully informed one that is entirely your own. Below are some of the things we can help you understand.

How credit card interest works
Why balances grow, how APR and daily compounding actually behave, and how to read what a card is really costing you each month.
How minimum payments work
How the minimum-payment formula is calculated, and why paying only the minimum can keep a balance around for years. We show you how to read your own numbers.
Reading your financial picture
How to lay out what you earn, what you owe, and what you spend, so you can see your whole situation clearly in one place.
Budgeting basics
Practical, plain-language budgeting, including approaches that work when the numbers are tight, so you can build a plan that reflects your real life.
How credit generally works
What goes into a credit profile, how it is commonly used, and general factors that tend to affect it, explained neutrally and without jargon.
The general landscape of options
At a high level, there are several broad categories people use to handle debt. We can explain, in neutral terms, what each category is and the kinds of trade-offs involved, purely so you understand the landscape. We do not recommend or sell any of them.

These are general, educational descriptions only, not recommendations or advice. Liberty does not provide or facilitate any debt program and is not paid based on any choice you make. Any decision, and any next step, is entirely yours.

Want to understand your situation more clearly? Your first session is free, with no obligation.

Call (813) 235-4570

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeWhy Liberty
Who we are and why it matters

Why choose Liberty.

Understanding your financial situation is easier when someone explains how the options actually work. Here is how we operate, and why it matters for you.

We help point you in the right direction
Who We Are
Liberty Debt Solutions is an independent financial-education service. We help people understand their own financial situation in plain language, so they can make their own informed decisions.
What We Do
We explain how the pieces of your situation work, how interest and minimum payments behave, how to read your numbers, and what general categories of options exist, in neutral terms. The goal is that you leave understanding your own situation.
Who We Serve
Anyone who wants to understand their own finances more clearly, whether that is how interest works, how to read their budget, or simply what their options are in general terms.
Our Commitment
We explain things honestly and in plain language. The goal is that you understand your situation and decide for yourself.

Want to understand your situation? Book a free session with our team.

Call (813) 235-4570

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeContact
Get in touch

Contact us.

We are happy to answer questions about our free financial-education service. Reach out any time.

Talk to us

Phone: (813) 235-4570

Email: info@libertydebtsolutions.com

Hours: Monday to Saturday, 8:00 AM to 7:00 PM EST

Prefer to pick a time? Book a free, no-obligation education session and we will call you.

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomePrivacy Policy
Your privacy

Privacy Policy.

How we collect, use, and protect the information you share with us.

Liberty Debt Solutions ("Liberty," "we," "us," or "our") respects your privacy and is committed to protecting the information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have. By using our website or contacting us, you agree to the practices described here.

Information we collect

We collect information in three ways:

  • Directly from you: when you submit your information through our forms, book a session, or speak with our team (for example, your name, phone number, and email address).
  • Automatically through our website: through cookies and similar tracking tools, we may collect basic technical data such as your device type, browser, IP address, and how you use the site.
  • From trusted third-party sources: such as the scheduling or analytics providers that help us operate.

We do not ask for, and you should not send us, sensitive financial account numbers or Social Security numbers. We do not need them, because we do not open, service, or manage any account or program for you.

How we use your information

We use the information we collect to:

  • Follow up on your inquiry and respond to your questions.
  • Provide information about our financial-education service and schedule appointments.
  • Operate, maintain, and improve our website.
  • Conduct internal reporting and analytics.
  • Comply with applicable laws and regulations.

Cookies and tracking

Our website uses cookies and similar technologies to keep the site working, understand how it is used, and improve your experience. You can control cookies through your browser settings, though disabling them may affect how parts of the site function.

Text messages (SMS)

If you provide your phone number and opt in, we may contact you by text about your inquiry or scheduled session. You may receive up to 15 messages per week. Message and data rates may apply. Reply STOP to opt out at any time, or reply HELP for help. Consent to receive texts is not a condition of any service.

SMS opt-in and phone numbers collected for SMS communication purposes will not be shared with any third parties or affiliates for marketing purposes.

How we share information

We do not sell your personal information. We share it only with service providers that help us operate, such as our appointment-scheduling and analytics providers, and only as needed to provide the service you requested. We may also disclose information if required by law or to protect our rights.

Data security

We use industry-standard administrative and technical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your rights

You may:

  • Access or correct your data.
  • Delete your information.
  • Withdraw consent for communications at any time.
  • Request a copy of the personal information we hold about you.

To exercise any of these rights, email us at info@libertydebtsolutions.com.

Children's privacy

Our services are not intended for children under the age of 13, and we do not knowingly collect information from children.

International users

Your information may be stored and processed in the United States. By using our website, you consent to this processing.

Changes to this policy

We may update this Privacy Policy periodically. Your continued use of our website and services after changes are posted constitutes acceptance of those changes.

Contact us

Questions about this policy? Contact us:

Email: info@libertydebtsolutions.com
Phone: (813) 235-4570
Hours: Monday to Saturday, 8:00 AM to 7:00 PM EST

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.

HomeTerms & Conditions
The fine print

Terms & Conditions.

The terms that govern your use of this website and our educational service.

These Terms and Conditions ("Terms") govern your use of the Liberty Debt Solutions website and the educational information we provide. By using this website or contacting us, you agree to these Terms. If you do not agree, please do not use the site.

Educational purpose only

All content on this website, and everything provided in our sessions, is general financial education for informational purposes only. It is not legal, tax, accounting, financial, or investment advice, and it is not a recommendation to take any particular action. You are responsible for your own decisions.

What Liberty is and is not

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of those services, and never collect or hold client funds. Using this site or speaking with us does not create any advisory, fiduciary, attorney-client, or similar relationship.

Consent to communications

By providing your contact information, you consent to receive emails, text messages (SMS/MMS), and phone calls, including those made via autodialer or pre-recorded voice, from Liberty Debt Solutions. Consent is not a condition of any service, and you may withdraw it at any time.

Message frequency and charges

You may receive up to 15 messages per week. Standard message and data rates may apply depending on your wireless carrier.

Contact about our service

You agree that Liberty Debt Solutions may contact you with information about our financial-education service.

Opt-out instructions

To stop receiving text messages, reply STOP at any time. For assistance, reply HELP or email info@libertydebtsolutions.com.

Disclaimers

We do not guarantee specific financial outcomes. We do not provide legal, tax, or investment advice.

Limitation of liability

Liberty Debt Solutions is not liable for any indirect, incidental, or consequential damages resulting from your use of our services or site.

Your responsibilities

You agree to provide accurate information. You are responsible for how you use our services and content.

Use of this website

You agree to use this website for lawful purposes only, and not to misuse it, interfere with its operation, or attempt to access it in any unauthorized way.

Intellectual property

The content on this website, including text, graphics, and logos, is owned by or licensed to Liberty Debt Solutions and may not be copied or reused without permission.

Modifications

We may change these Terms at any time. Updates will be posted here, and continued use of our site indicates acceptance of the changes.

SMS Terms & Conditions

SMS consent. Phone numbers obtained for SMS purposes will not be shared with third parties or affiliates for marketing purposes.

Types of SMS communications. Messages may include appointment reminders and confirmations, follow-up messages, and general support.

Message frequency. You may receive up to 15 SMS messages per week related to your inquiry.

Potential fees for SMS messaging. Standard message and data rates may apply depending on your wireless carrier and plan.

Opt-in method. You opt in by providing your phone number through our forms or by contacting us and agreeing to receive text messages.

Opt-out method. Reply STOP to any SMS message you receive at any time to stop receiving texts.

Help. Reply HELP to any message for assistance, or email info@libertydebtsolutions.com.

Standard messaging disclosures. Message and data rates may apply. You may receive up to 15 messages per week. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel or HELP for help at any time.

Contact us

Email: info@libertydebtsolutions.com
Phone: (813) 235-4570
Hours: Monday to Saturday, 8:00 AM to 7:00 PM EST

Liberty Debt Solutions is an independent financial-education service. We are not a lender, a law firm, or a debt-settlement, debt-relief, debt-consolidation, or credit-repair provider. We do not negotiate with creditors, do not perform any of these services, and hold no client funds. We provide financial education only, not legal, tax, or financial advice, so you can make your own informed decisions.