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Fresh Start Debt Relief review

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Fresh Start Debt Relief
Minimum debt
$10,000 total, at least $750 per creditor
Typical turnaround
12 to 36 months
Not stated

Our verdict

Consider other options before turning to this service.

Fresh Start boasts a quick settlement process of 12 to 36 months — but there isn't much information available to back it up. It isn't accredited by any industry organizations and lacks customer reviews. We also weren't able to get in touch through any of the three customer service numbers it lists on its website.

Before you submit your information, compare other debt relief companies that provide more upfront information and have better customer service.

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question

Bottom line: Fresh Start boasts a short turnaround for a debt relief company, but the limited information about its services and spotty customer service may want to look elsewhere first.


Product details

Free quote or consultation Free consultation available, but details are unavailable
Services Debt settlement
Minimum debt $10,000 total, at least $750 per creditor
Typical turnaround 12 to 36 months
Direct or third-party negotiations Direct
Fees Not stated
Types of debt Unsecured debts, including past due utility bills and overdue rent
Accreditations None
Ratings None
Free resources or tools None
Customer service Phone: 877-292-3328 is listed, but it's out of service
Phone: 435-772-4522 leads to an individual's line
Phone: 800-590-7911 leads to an unnamed directory that goes to generic "leave a message" for each option
Hours: 8:30 a.m. to 5:30 p.m. PT
Mail: 1031 South Bluff Street, St. George UT 84790

How does Fresh Start work?

Fresh Start Financial Services is a debt settlement company that negotiates with your creditors on your behalf. Like other debt settlement services, it requires you to make a monthly payment toward a savings account. It then attempts to settle your debt for less than you owe — but more specific details about its program aren’t available.

How much does it cost?

Fresh Start doesn’t list any information about its fees or other costs on its website. And because we weren’t able to get in touch with customer service, we couldn’t confirm what you might be charged.

Keep in mind that it is illegal to pay any upfront fees for debt settlement. In most cases, your fee will either be a percentage of the amount of debt enrolled or the amount of debt settled. You can confirm the total cost with Fresh Start if you decide to enroll in its program.

How much could I save with Fresh Start?

Fresh Start claims that its average settlement is 42% and that you can expect a settlement of 40% to 60% of your total debt. But unlike many other debt settlement companies, Fresh Start doesn’t provide any examples of its recently settled accounts so you can see how much you might save.

Is Fresh Start legit?

Fresh Start has a secure website and a basic privacy policy — but that’s about it. Its privacy policy clearly states that Fresh Start Financial Services may sell or rent your personal information to third parties. It isn’t accredited by the American Fair Credit Council (AFCC) or the International Association of Professional Debt Arbitrators (IAPDA). And it doesn’t have a Trustpilot or BBB page, two ways you can view how others feel about Fresh Start’s ability to negotiate debt.

Because of these factors, you may want to compare other debt relief companies to find a service that has a better reputation.

What are the pros and cons of Fresh Start?

Fresh Start doesn’t appear to be the most competitive option out there, and the drawbacks may outweigh the benefits.

  • Average program lasts 12 to 36 months
  • Settlements of 40% to 60%
  • No information about fees or potential costs online
  • May sell your personal information
  • No BBB or Trustpilot pages
  • Difficult to contact customer service

Compare more debt relief options

1 – 4 of 4
Name Product Costs Money-back guarantee: Requirements
Consolidated Credit
Not rated yet
Consolidated Credit
Fees regulated by client’s state of residence, can range from$0 to $69 with an average monthly fee of $35. No upfront or contingency fees.
Debt must not be payday loans or secured loans.
This debt settlement alternative can help you find a path to financial freedom.
Accredited Debt Relief
Charges and fees vary by the company you’re ultimately connected with
Must be at least 18 years old and a legal US resident; additional terms may apply based on services and products used.
This A+ BBB-rated service offers free consultations to lower your monthly payments help you get out of debt faster.
Freedom Debt Relief
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Freedom Debt Relief
Monthly payment based on enrolled debt, no upfront fees
Must have at least $7,500 in unsecured debt, have a hardship is preventing the ability to pay creditors, and live in a serviced state.
Freedom Debt Relief works to help people with unmanageable, unsecured debt get back on their feet.
Pacific Debt
Not rated yet
Pacific Debt
15%–25% of total debt enrolled. Fees vary by state of residence.
Reside in a state where PDI’s services are available and have $10,000+ of debt to enroll

Fresh Start reviews and complaints

BBB accreditedNo
BBB ratingNot rated
Customer reviews verified as of22 October 2020

Fresh Start Financial Services doesn’t have a Trustpilot or BBB page. And while there are similarly named companies out there, we weren’t able to find any social media accounts or reviews for Fresh Start.

What is Fresh Start?

Fresh Start Financial Services is a debt settlement company that has been in business since 1998. But other than boasting the combined experience of its team, Fresh Start doesn’t provide much information about its company or its employees. There are no recent headlines or news articles about it, and its website copyright notification hasn’t been updated since 2018.

How do I get started?

To have a representative of Fresh Start reach out to you, follow these steps:

  1. Visit Fresh Start’s website and select the Free consultation button.
  2. Enter your full name, email, phone number, total debt and state.
  3. Select the best time for Fresh Start to contact you and choose Submit.

There are two other ways to submit your information to Fresh Start, but we received errors when we attempted to fill out these forms. And when we called the numbers listed on Fresh Start’s contact page, we weren’t able to get in touch with a representative.

I’ve signed up. What happens next?

Fresh Start doesn’t provide any details on your next steps. You may be expected to stop paying your creditors — which will result in a lowered credit score and potential collection calls. You’ll begin paying into a savings account that Fresh Start uses to pay off your creditors once a settlement has been reached. For more information or if you have any questions, get in touch with Fresh Start.

Because of the limited information available and Fresh Start’s spotty customer service, we recommend that you compare more debt relief options before you submit any personal information.

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