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Debt Resolution is a method that debtors can use to repay their creditors with minimal hassle and without filing for bankruptcy. A skilled negotiator can communicate and negotiate on your behalf to make your payments more manageable and protect you from constant harassment. This process is commonly known as debt settlement, debt reduction, debt negotiation, or debt resolution. In debt settlement, a debtor’s unsecured creditor agrees to forgive a large part of the debt, often around half, though results can vary widely.
Debt Consolidation is a process by which a debtor can use one source of money to pay off the balance owed to multiple debtors. For example, if you have multiple outstanding balances, such as credit cards, student loans, and personal loans, a debt consolidation loan can roll them up into a single, more manageable monthly payment that is often lower than the previous payments combined. When done correctly, debt consolidation loans can help clear up your debt and improve your credit over time.
Tax Settlement is an arrangement that allows a taxpayer to retire an outstanding tax debt for less than the original amount owed. This arrangement is acceptable to the IRS or state taxing authorities, and it can help taxpayers resolve their outstanding tax debts.
If you’ve missed a payment on your auto loan, you should act fast to prevent repossession and damage to your credit score. Some lenders have adopted technology to remotely disable cars after even one missed payment. Auto loans qualify for debt resolution programs, which can help you manage your payments and avoid repossession.
Medical bills can also qualify for debt resolution programs. If you receive a medical bill that you cannot afford, you can take steps to make sure that the bill is correctly calculated and that you get any available financial or necessary legal help. If you do nothing and don’t pay, you could be facing late fees and interest, debt collection, lawsuits, garnishments, and lower credit scores.
Personal loans can also be subject to debt resolution programs. If you miss a payment, you may be charged a late fee after a grace period of 10 to 15 days. If your payment is late by 30 to 90 days, your loan is in default. However, personal loans can be delinquent without being in default. In any case, a debt resolution program can help you manage your payments and avoid default or other negative consequences.
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FreshFICO is a marketing company that offers assistance to individuals burdened with consumer debt and seeking to minimize their risks and obligations promptly. It is important to note that FreshFICO does not service or manage your debt. Please be aware that all calls may be recorded or monitored for quality assurance and training purposes. This website contains links to other companies that provide financial and/or debt settlement services. Any relationship you establish with those companies is solely between you, the consumer, and the respective company. We do not guarantee the products and/or services offered by those linked companies. The links provided on this site are solely for your convenience. We do not provide debt settlement or financial services ourselves. In accordance with FTC guidelines, we disclose that we may have a financial relationship with the companies mentioned on this website. This relationship may involve financial compensation, services, or complimentary products without any action required from website visitors. If you purchase a product or service recommended by this website, it is understood that the website owner may receive some form of compensation.

Not all consumers can successfully FreshFICO programs due to various factors, including their ability to save sufficient funds. Engaging in debt resolution services may have negative consequences on your credit and could lead to legal action from creditors or collectors for unpaid balances. Consumers enrolled in debt consolidation programs who fail to adhere to the terms of their debt management plan (DMP) may lose the benefits of debt relief and revert to the terms of their original agreements with creditors. Prior to enrollment, it is crucial to thoroughly read and understand all program materials. For complete program details, please consult a debt relief specialist.

Our debt relief analysis and savings estimate are provided free of charge, do not impact your credit, and do not obligate you to enroll in or purchase any product or service.

By providing your telephone number (landline or mobile) and clicking on save, continue, or submit, you are granting us permission to contact you regarding this application. Once you become a customer, the use of your number will be governed by the Cellular Phone Contact Policy outlined below.

CELLULAR PHONE CONTACT POLICY
By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you expressly consent to receive communications from us and our affiliates and agents at that number. These communications may include prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system. This consent applies to each telephone number you provide to us, both now and in the future, and allows for such calls for non-marketing purposes. Please note that calls and messages may incur access fees from your cellular provider.

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on our own professional experience and prior achieved results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to your creditors or provide tax, bankruptcy, accounting, or legal advice or credit repair services. Our service is unavailable in all states and our fees may vary from state to state. Please get in touch with a tax professional to discuss the potential tax consequences of less-than-full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors, and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.

All members shall not discriminate – and shall make available to prospective customers notice that they do not discriminate – on the basis of race, color, religion, sex, marital status, national origin, or ancestry.

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