Licensing Information

Company Registration

Liberty Hardships is a registered debt relief consultation service provider. Our company operates in compliance with all applicable federal and state regulations governing debt relief services.

State Licensing

We maintain active licenses in all states where required by law. Our services are available in states where we meet regulatory requirements for debt relief consultation services.

State licensing requirements vary, and we ensure compliance with:

• State-specific debt relief service regulations
• Consumer protection laws
• Financial service provider requirements

Federal Compliance

Liberty Hardships adheres to federal regulations including:

• Federal Trade Commission (FTC) guidelines
• Consumer Financial Protection Bureau (CFPB) requirements
• Fair Debt Collection Practices Act (FDCPA)
• Credit Repair Organizations Act (CROA)

Professional Affiliations

We maintain memberships with relevant industry associations and are committed to following their established best practices and ethical guidelines.

Consumer Protection

Our services are backed by:

• Professional liability insurance
• Consumer protection bonds where required
• Secure data handling practices
• Regular compliance audits

Service Limitations

Liberty Hardships provides debt relief consultation services. We are not:

• A law firm or legal service provider
• A credit repair company
• A debt collection agency
• A lending institution

Verification

To verify our licensing status or file a complaint, consumers may contact their state's regulatory authority or the Federal Trade Commission.

Contact Information

For licensing inquiries, please contact:

Liberty Hardships
Compliance Department
Email: compliance@libertyhardships.com