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The Benefits of Using Debt Negotiation and Fresh Start America

Avoiding Bankruptcy
One of the strongest benefits of Debt Negotiation is that it is a way for consumers overwhelmed with unsecured debts, like credit card debt to avoid filing for bankruptcy.

Credit Report
Unlike credit counseling or bankruptcy, entering our program is NOT part of your credit report. Your employer, landlord or any other organization who may view your credit report will NOT see that you are in our debt relief program.

Debts are paid for good
In the debt negotiation process we settle your debts for up to 60% of the original principal owed. When the debt is settled successfully, it is gone for good!

Speed to financial recovery
The average settlement time takes 24-36 months, so you can be free of these debts in as little as two years. How quickly you become debt free depends on a few factors such as how much you currently owe, how much you can afford to save each month and how late you are in paying your bills.

You don't take out a loan
The debt negotiation program is NOT a loan. You don't take out the equity in your home thereby increasing your debt and prolonging your debt free date. Since it is not a loan you don't have to qualify for one, nor do you have to be a home owner to join the program.

Legal and Honorable
Debt negotiation is a legal and honorable way for you to pay off your debts.

Learning how to avoid financial troubles in the future.
Unlike filing bankruptcy or taking out a loan, our program educates you on proper financial management. Many people take out a loan and pay off their debts only to repeat the same mistake and find themselves in troubled waters only a couple years later. The most important aspect to our program is educating consumers on how to properly plan and manage their finances so they NEVER end up in this situation again. We achieve this through:

Online financial education courses
A robust financial education website with financial planning calculators, news, and articles.
Monthly educational newsletters
Monthly conferences on current personal finance issues

All of these benefits are included with your program!

Unlawful and harassing creditor calls
We offer assistance through the nations largest consumer-advocacy organization to reduce illegal or inappropriate creditor harassment. Creditor harassment cannot always be stopped 100%, nobody can hold their hands away from a phone, however with the creditor harrassment service included with your program you can keep agressive creditors in check.

Full time professional customer support
We have a highly trained and full time customer support team. We are here and ready to answer your questions and concerns by phone, email even online chat when you need us.

Online Client Center
You are never left in the dark with our Online Client Center. You can access your account information, view your progress, contact customer support and more 24/7.

The little things do count.
We make every effort to make this process as comfortable for you as possible. All of our communications with you are done as anonoumously as possible. This is done to keep nosey neighbors, your mail person or your boss from becoming aware that you are in a debt relief program. This is your business, not theirs.

Who Needs a Fresh Start?

If you’ve experienced a hardship such as the loss of a job, loss of income, divorce, medical problems or any other situation that has made it difficult or impossible to keep up with your monthly debt obligations we can help. To get started complete the form below. You will find out instantly and for free, if your situation can qualify for debt negotiation. A debt relief consultant will call you at your preferred time to create an example program for your consideration and answer all of your questions, all free of charge. There is no obligation to use our program by completing this form.

Complete this form and you will see if you can qualify instantly!
Your preferred language:		Main hardship:
First name:		Last name:
Address:		City:
Zip:		Email:
Day Phone:	- -	Eve Phone:	- -
Contact time:		Which day should we call?	Today - 8/27/2008 Tomorrow - 8/28/2008
Total amount of Credit Card Debt:		# of credit cards you are current on:
# of credit cards you are late on:		On the late cards how late are you:
Comments:

Money back
Guarantee

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* Using the debt negotiation process does not guarantee that you will not have to file for bankruptcy in the future. If you have questions about filing for bankruptcy, please consult an attorney.

Although Provider will analyze financial information, the Provider does not and will not analyze any contracts between any actual or potential client and any third party.

By completing a form on this website you are requesting a service contact you in most cases by telephone regardless of your status on the do not call list (DNC). Forms on this website are provided to the consumer to be used to request information, these forms are never an application or a pre-qualification for services. The consumer will only be entered into a program AFTER they have received a complete consultation and have signed an official agreement.

Important: Typical savings are an aggregate 48% over all creditors and does not include program fees. Amount of savings greatly varies based on amount of debt, creditors and default time.

Fresh Start America and its affiliates are not advocating that you stop paying your creditors to force them into settlements. Furthermore, we do not encourage you to default on any contracts that you have with your creditors. When a payment to a creditor is missed or is late, there can be negative consequences to your credit score. The debt negotiation process should only be used in the event of legitimate financial hardship. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so. The negotiation process works best in the event of LEGITIMATE FINANCIAL HARDSHIP. Although we believe all of the information found on this website to be accurate, it is for demonstration purposes only and should not be construed as legal advice. If you have legal or tax questions you should consult a professional in the appropriate field.

In States in which we are not permitted to be your intermediary, Fresh Start America will instead act as your advisor during the process of adjusting, settling or discharging of your debt. Fresh Start America and its affiliates will never exercise control directly or indirectly over the funds you will save and use for the purpose of making partial or full payments to your creditors.