Break Free from Debt

Professional Debt Relief & Credit Repair

Stop living paycheck to paycheck. Our proven strategies help eliminate debt and rebuild your credit score fast.

Free Debt Analysis Call (800) 555-DEBT

Our Services

💰

Debt Settlement

Negotiate with creditors to reduce your total debt by up to 50%. Stop collections and get back on track.

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Credit Repair

Remove negative items from your credit report and boost your score by 100+ points in 90 days.

🛡️

Debt Consolidation

Combine multiple debts into one lower monthly payment with reduced interest rates.

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Financial Education

Learn budgeting, money management, and financial planning to stay debt-free for life.

⚠️ Don't Wait - Debt Problems Get Worse Over Time

Late fees, penalty rates, and collection actions can turn manageable debt into a financial nightmare. The sooner you act, the more options you have and the less damage to your credit.

Why Choose FreshStart Financial?

For over 15 years, FreshStart Financial has helped thousands of families escape the debt trap and rebuild their financial future. We're not just a debt relief company - we're your partners in achieving true financial freedom.

Our certified debt specialists and credit experts work with you one-on-one to create a personalized plan that fits your unique situation. No cookie-cutter solutions, no high-pressure sales tactics.

$250M+

Debt Eliminated

50,000+

Clients Helped

47%

Average Debt Reduction

120+

Points Credit Increase

How We Help You Succeed

🛑

Stop Collections

End harassing phone calls and letters from debt collectors immediately.

💵

Lower Payments

Reduce monthly payments by up to 70% and free up cash for living expenses.

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Faster Results

See improvements in 30-60 days versus years of minimum payments.

🎯

Credit Boost

Strategic credit repair to improve your score and unlock better rates.

Real Success Stories

Credit Score: 480 → 720

"I had $45,000 in credit card debt and a 480 credit score. FreshStart negotiated it down to $18,000 and helped me rebuild my credit to 720. I saved over $27,000!"

- Sarah Martinez, Teacher

Debt Reduced: $62,000 → $28,000

"After my divorce, I was drowning in debt. FreshStart reduced my $62,000 debt to $28,000 and set up a payment plan I could actually afford."

- Michael Chen, Small Business Owner

Monthly Payment: $2,400 → $850

"My monthly debt payments were $2,400. Now I pay $850 and I'm debt-free in 3 years instead of 15. I got my life back!"

- Jennifer Wilson, Nurse

✅ Get Results or Get Your Money Back

We're so confident in our ability to help you that we offer a 100% money-back guarantee. If we don't achieve meaningful results within 6 months, you get a full refund.

About FreshStart Financial

Founded in 2009 during the financial crisis, FreshStart Financial was created to help families navigate the complex world of debt relief and credit repair. Our founders experienced financial hardship firsthand and understood the stress, shame, and hopelessness that comes with overwhelming debt.

Today, we're one of the nation's most trusted debt relief companies, with A+ BBB rating and thousands of five-star reviews. Our team of certified debt specialists, credit analysts, and financial counselors are dedicated to one mission: helping you achieve lasting financial freedom.

Our Team

👨‍💼

Certified Debt Specialists

IAPDA certified professionals who negotiate directly with your creditors to reduce balances and payments.

👩‍💼

Credit Repair Experts

FCRA specialists who identify and dispute inaccurate, outdated, and unverifiable items on your credit report.

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Financial Counselors

Certified financial planners who teach budgeting, savings, and long-term wealth building strategies.

Our Process

1

Free Consultation

We analyze your debt, credit, and financial situation to create a custom action plan.

2

Stop Collections

We immediately contact your creditors to stop harassment and begin negotiations.

3

Negotiate & Repair

We settle your debts for less while simultaneously repairing your credit report.

4

Financial Freedom

You become debt-free with improved credit and the knowledge to stay that way.

💡 Why DIY Debt Relief Often Fails

Creditors know you're desperate and will rarely accept your first offer. Our professional negotiators have relationships with major creditors and know exactly what settlements they'll accept. We also handle all the legal paperwork and tax implications.

Comprehensive Debt Relief Services

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Debt Settlement

We negotiate directly with creditors to settle your debts for 30-50% of what you owe. This includes credit cards, medical bills, personal loans, and collection accounts.

📈

Credit Repair

Remove negative items like late payments, charge-offs, collections, bankruptcies, and inquiries. We dispute inaccurate information and negotiate with creditors.

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Debt Consolidation

Combine multiple high-interest debts into one lower payment. We help you qualify for consolidation loans even with damaged credit.

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Budget Planning

Create a realistic budget that covers necessities while maximizing debt payments. Learn to track expenses and build emergency savings.

🛡️

Creditor Protection

Stop wage garnishments, bank levies, and asset seizures. We know your rights and will enforce them against aggressive collectors.

🎓

Financial Education

Access to online courses, webinars, and resources covering credit, budgeting, investing, and building long-term wealth.

Quick Debt Relief Calculator

See how much you could save with debt settlement:

Types of Debt We Handle

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Credit Cards

Visa, MasterCard, Discover, American Express, store cards, and business credit cards.

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Medical Bills

Hospital bills, doctor visits, emergency room charges, and medical collection accounts.

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Collection Accounts

Third-party collection agencies, original creditor collections, and charged-off accounts.

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Personal Loans

Bank loans, finance company loans, payday loans, and peer-to-peer lending debts.

⚠️ What We DON'T Handle

We cannot help with secured debts (mortgages, car loans), student loans, tax debts, child support, or alimony. These require specialized legal assistance.

✅ No Upfront Fees - Performance Based Pricing

We don't charge any upfront fees. You only pay when we successfully settle a debt or remove negative items from your credit report. Our fees are based on results, not promises.

⏰ Don't Wait - Every Day Costs You Money in Interest and Fees!

Get Your Free Debt Analysis

Take the first step toward financial freedom. Our certified debt specialists will review your situation and show you exactly how much money we can save you.

📞 Call 24/7

(800) 555-DEBT

Speak with a debt specialist
Available 7 days a week
Free consultation

💻 Online Chat

Live chat available

Instant responses

Secure and confidential

📧 Email Us

help@freshstartfinancial.com

info@freshstartfinancial.com

24-hour response time

🏢 Office Locations

Phoenix, AZ (Headquarters)
Dallas, TX
Atlanta, GA

Serving all 50 states

What to Expect During Your Free Consultation:

✓ Complete debt analysis

✓ Credit report review

✓ Customized action plan

✓ Savings calculation

✓ Timeline for debt freedom

✓ No obligation required

Are You a Good Candidate for Debt Relief?

✓ You owe $10,000+ in unsecured debt

✓ You're struggling to make minimum payments

✓ You're considering bankruptcy

✓ You have some income but not enough for full payments

✓ You want to avoid bankruptcy

If you checked 3 or more boxes, you're likely a perfect candidate for our program!

Start Your Free Consultation Now