Debt Settlement

We've eliminated millions of $$ of debt.  Will yours be next?

Debt Settlement (Step One) - (/debt-settlement) - ENTRY POINT

  • Free Assessment. Will not affect your credit score!

  • Choose your debt amount

This service is FREE and will not affect your credit score!

Continuing indicates your acceptance of the terms and conditions.

Questions?

A representative is standing by. Call (888) 675-4886 for immediate assistance.

Our customers love us:

Badge-3-1

Debt Settlement

Is debt destroying your life? Is it affecting your health, putting a strain on your relationships? Are you worried about the future, with no way out of the terrible situation you find yourself in? Debt Settlement may be able to provide you with your escape route. It can provide you and your family with a fresh start, a new beginning and an end to the vicious cycle of high interest debt payments.

The good news is that you have found this page, and we are one of the leading companies in helping people resolve their financial situations. With our debt settlement program, you could be debt-free in two to three years and able to move forward with confidence, knowing that all of your money worries are in your past.

Debt does not need to be a part of everyday life, and all most people need is a well laid put plan for them to follow. That’s exactly what we do here at Fresh Start. We work together to analyze the true extent of your situation, and then we put a plan in place to help you achieve your goal. And the good news is that in the process we can help you slash the amount of your debt, by an average of 33 percent.

We have made everything as simple as possible; you can even begin the process from the comfort of your own home. Simply provide the information requested below, and we can get the ball rolling. Today could be the start of the rest of your life.

Asset 1 (5)

The Truth

About Debt Settlement

  • Creditors will not always say yes

    Although we have a very high rate of success when It comes to negotiating with creditors, they are under no legal obligation to settle. We will do everything possible to try and come to a settlement agreement, but there is always a possibility that certain creditors will not agree to be a part of the process.

  • Debt Settlement is not a Right

    There are quite a lot of popular misconceptions amongst borrowers about their legal rights, particularly when it comes to the matter of debt settlement. There is legislation in place which is designed to protect people in financial difficulty. The purpose of the legislation is to protect people who are struggling with debt from being constantly harassed by creditors or debt collection agencies. However, in the eyes of the law, if you took out a loan or some other type of debt, such a credit card, then you are duty-bound to repay that. With that being said the government does encourage creditors to be open to the idea of debt settlement, but only if the borrower can demonstrate that their financial situation dictates that they cannot afford any other mode of payment. The burden of proof lies with the borrower, not the creditor.

  • Debt Settlement is not the Favored option of Creditors

    Although it is probably not what you wanted to hear, the simple fact of the matter is that in the eyes of most creditors, debt settlement is not their number one option. In the cold light of day, the debt settlement option is going to cost your creditor money. To settle the debt, they will have to agree to wipe out a considerable sum of money, and there are many more options on the table that they would prefer. Essentially the final decision will come down to the severity of the debtor's financial situation. Be prepared for your finances to be ruthlessly examined during the debt settlement process. Creditors would much prefer to extend the length of the loan or lower the interest rate, rather than reducing the outstanding balance.

Talk to a certified debt counselor toll free:

(888) 675-4886

Things To Do

When Settling Debts

During the process of debt settlement, it is important that every debtor is proactive and fully committed to the process. Although Fresh Start staff will undertake the majority of the work, and all of the negotiations, there are certain things that our clients can do to ensure that the process runs as smoothly as possible.

1. Put everything down in writing

Although it might be tempting to think it, the reality is that you are not the only person your creditor is dealing with. You are most likely to be one of many thousands of debtors a creditor is dealing with at any given time. There is no guarantee that you will speak to the same person every time, and it is critical that you do everything to protect yourself. The best way to do this is to put everything down in writing. Keep copies of every piece of correspondence you receive from your creditor, and every response you send to them. At Fresh Start, all of our negotiators will provide you with details of the negotiation so that you remain fully up to speed with the situation.

3. Be patient

As was mentioned above, debt settlement is the least favored option for creditors, and so they are highly unlikely in our experience to agree to our first proposal. Be patient and make sure that you have all of the relevant paperwork to hand, to demonstrate the severity of your situation. If your creditors believe that you have the financial means to repay them, they could play hardball, in an attempt to force you to pay. They could even decide to take you to court over the matter. This is why it is important to be able to prove that you are financially incapable of repaying the debt.

2. Keep Track Of All Telephone Conversations

Although we would not recommend telephone conversations, we understand that they will happen from time to time. If a phone conversation does take place ensure that you get the name and the job title of the person who you spoke to, and also note down the date and time of the conversation. During the call, take notes about the conversation, and as soon as the call is finished, write a full and comprehensive summary of everything that was discussed. Send a copy of the summary to the creditor and ask them to follow the same procedure so that the chances of things being disputed are reduced.

4. Make Sure That You And Your Creditors Agree To The Same Terms And That A Proposal Is In Written Form

Once an agreement has been reached, which is acceptable to both parties, it is absolutely essential that this is recorded in written form. Do not send a check for payment, without a written agreement from your creditor. It is also important that you understand exactly what you have agreed to, to avoid any dispute in the future. Our advice would be to get someone else to read the agreement before you sign it.

Our customers love us:

Badge-3-1

Here When You Need Us

If you have any questions, concerns or worries about debt settlement process, our team of experts is only a phone call away. You are no longer fighting the debt free battle on your own.

Dedicated team to save you money

1.0m+

Customers used our marketplace.

$10b +

In personal loans requested.

2 Minutes

How quickly we can get you a loan offer.

Your Personalized Loan Offer is Waiting for You

Unsecured personal loans as low as 3.85%