At Fresh Start, we are always open and honest with our clients, and the reality is that if you are contemplating a debt settlement program, your credit score is probably already declining. Using the Fresh Start debt settlement program will begin to rebuild your credit score, as the process starts to work. Each time, one of your old debts is settled, this will show as a positive on your credit report.

One of the biggest benefits of our debt settlement program is that our team of skilled negotiators will go to work on your behalf to deal with your creditors. The creditors will then stop calling you, hassling you and causing you stress and worry. They will know that they are dealing directly with our company, so the good news is that once you are a Fresh Start customer, you no longer need to worry about the relentless daily calls.

Filing for bankruptcy can bring extra issues and problems, and could even result in you losing your home. Many of the benefits of filing for bankruptcy, such as stopping creditors continually calling you, will also apply to our debt settlement program. Additionally, the huge cost of filing for bankruptcy, both financially and socially, can be avoided using our program. If our team of experts feels that bankruptcy is your best option, then they will tell you that, but in most cases, we can normally find a solution for you that does not involve filing for bankruptcy.

Fresh Start charges a small administrative fee, and a service fee, which is included in the quotations for the program payments that you receive when you apply. The fees are normally based on the amount of money we can save you, and the overall cost will always be less than the amount of money you currently owe. After fees and charges are included, our clients save on average, about 33 percent of their current debt. Because our fees are directly related to the amount of money we save our clients, this is a mutually beneficial relationship. That is why you can be confident that our team will do everything in their power to save you as much money as possible. Our debt settlement program is designed to save you money, so it is certainly not expensive.

We have achieved great success with thousands of different companies across the country. Our statistics demonstrate that we have a 95% success rate in obtaining debt reduction when negotiating with different creditors. However, it is fair to say that not all creditors will be amenable to negotiating a debt reduction. When this happens, we simply negotiate a repayment plan within your budget.

The problem for most people when it comes to negotiating with their creditors is that there is a lot of emotion involved. Creditors are under no obligation to agree to debt settlement, and when the borrower tries to negotiate with them, their emotions can get in the way of a solution. Because our team is not emotionally involved, and this is something that we do daily, we have a much higher success rate. Creditors are also used to dealing with us as a company, which means that we can often come up with compromises and settlements much quicker than an individual can.

When a company has been owed money for more than 90 days, the reality is that in most cases, they are not going to get paid or if they do it will take them a long time to complete the process. It is an accepted business practice for creditors in this situation to accept less than the balance owed, as this is viewed as preferable to not receiving any payment at all. That is why, in most cases, we are confident in achieving a mutually beneficial agreement for all parties involved.

We never charge a fee upfront.