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Fresh Start Debt Relief review

Last updated:  

Consider other options before turning to this service.

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.

$10,000 total, at least $750 per creditor

Minimum debt

12 to 36 months

Typical turnaround

Not stated


Fresh Start Debt Relief details

Free quote or consultationFree consultation available, but details are unavailable
ServicesDebt settlement
Minimum debt$10,000 total, at least $750 per creditor
Typical turnaround12 to 36 months
Direct or third-party negotiationsDirect
FeesNot stated
Types of debt Unsecured debts, including past due utility bills and overdue rent
Free resources or toolsNone
Customer servicePhone: 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

Expert review

Kellye Guinan

Review by

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

Expert review

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.

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

Data indicated here is updated regularly

Name Product Costs Requirements
National Debt Relief
18–25% of total enrolled debt
Must have a legitimate financial hardship which is preventing the ability to pay creditors and a minimum of $7,500 in debt.
Get back on your feet with a top-rated debt relief company that works with multiple types of debt.
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 is a debt settlement company that works to help people with unmanageable, unsecured debt get back on their feet.
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.
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
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.

Compare up to 4 providers

Fresh Start reviews and complaints

BBB accredited No
BBB rating Not rated
Customer reviews verified as of 22 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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