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Fresh Start America uses negotiation to settle your debts with your creditors. Debt negotiation has been in practice for decades and is a legal and honorable way to pay off your debts. If you find yourself in financial hardship due to loss of income, illness, divorce, etc., debt negotiation may work for you. Many people in financial hardship resort to bankruptcy as a means to get out of debt. Bankruptcy is public record and it ruins your credit for up to 10 years. You will fight for years to re- establish your credit and your creditors do not get paid the money due to them. In this case Everybody loses. Our solution is simple. Fresh Start America goes directly to your creditors, explains your hardship and negotiates a reduced payoff of up to 50% or more of the original amount owed. Creditors understand that if you file for bankruptcy they risk that they may not recover that debt, so they are very willing to accept a reduced amount under the proper hardship circumstances. Fresh Start America has leverage with your creditors too, because we do not go to the creditor with just one small debt; we can bring hundreds of debts to the table and can offer them hundreds of thousands of dollars of debt owed to them. They don't want to risk loosing this much money. This is a win-win solution. You pay off your debts up to 50 cents on the dollar or more, the creditors recover at least a portion of their money, and Fresh Start America earns a small commission on the money we save you so we can continue to help others. Bottom Line: At Fresh Start America, we can help you honor your debts at a fraction of what you owe and you can be debt free in 24-36 months. Fresh Start America believes everyone should honor their debts, therefore our program is not for financially well off people who can make their payments, but would rather try to save money. This program is only for people who are having a financial problem could potentially file bankruptcy and need real debt relief. Contact us today and we will assess your situation for free to see if you qualify. If you do qualify we will estimate for you how much we can reduce your debts by and how soon you can be debt free. No cost and no obligation. |
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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. |