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Q. Who would best qualify for the Fresh Start Program?
A. Anyone with credit card debt regardless of how much or how little. If you are struggling to make payments, spending a large portion of your income on credit card payments or are receiving threatened collection calls or letters we can help.
Q. Why is the Fresh Start Program better than filing bankruptcy? Doesn't that get rid of credit card debt?
No! Changes to the bankruptcy laws have made bankruptcy a bad option, now you still may have to pay a good portion of your credit cards even after you have filed bankruptcy. Secondly, the bankruptcy filing stays on your credit report for 10 years and you can't get rid of it, so the stigma of being "broke" follows you for a decade.
Q. I see companies that offer to settle credit card debt for pennies on the dollar, isn't that a better option than filing bankruptcy?
Settlement is an even worse option. First you ned to have the money to pay the settlement amount. So if you settle a $10,000 account for $5,000, you need to have the FULL $5,000. Most people with a lot of credit card debt don't have that kind of extra cash just sitting around. Also with settlement you may end up owing income taxes on the debt that was forgiven! So you now owe the IRS instead of the credit card company- that is not a great trade!
Q. Who created the Fresh Start Program?
Q. How does the program work or what can I expect from it ?
A. Our Fresh Start Program takes advantage of law passed by Congress to protect consumers from being financially destroyed by bill collectors and credit card companies. These laws allow consumers to take actions that result in lower payments and the stopping of collection calls and threatened letters. Our end objective is to lower your credit card payments using these laws to your advantage.
Q. What does the program include?
A. The Fresh Start Program includes all the information, forms, documents and resources you will need to reach your goal of being debt free. Our Fresh Start Program is accessible on-line and provides easy to follow set-by-step instructions and video help that shows you what to do, how to do it and when to do it. Our Plan also includes unlimited access to our exclusive on-line Community Page where you will find a treasure chest of information, tips, the latest news and valuable insider secrets. You also have access to 24/7 support with our Rapid Response Team. This group of highly trained debt experts is available to answer any questions you have about the Fresh Start Program so you always stay on track and have someone to turn to when you need them.
Q. Have others been successful using these strategies?
A. Yes, these strategies have been used in over ten thousand collection cases over the last ten years. The claims made in this presentation accurately represent the results people have experienced in this time.
Q. How long does the process take to complete?
A. Depending on the amount of credit credit card debt the process can take as little as twelve months to as many as forty eight months.
Q. What types of credit accounts is your course designed to settle?
A. Unsecured credit card accounts, these include signature loans, credit card accounts, overdraft agreements and balances claimed to be owed after a repossession or foreclosure. It does not include charge accounts unless underwritten by a bank creditor, or lease agreements, or phone service agreements nor is it for hospital bills unless any is assigned to a third party debt collector.
Q. Are there other organizations selling similar strategies?
A. There are no other organizations authorized to publish these strategies and those that make similar claims have plagiarized parts of The Fresh Start Program.
Q. Can you help me with a mortgage, auto loan or student loan account?
A. No.
Q. Can your strategies be used to restore my credit rating?
A. Yes. Unlike bankruptcy or settlement with our Fresh Start Program your credit rating can be restored once you have completed all the steps in the Plan.
Q. Would your process cause a foreclosure or my car to be repossessed?
A. No.
Q. What type of educational background do I need in order to best understand your course?
A. You need a high school reading level and be able to follow instructions.
Q. What resources do I need to implement the strategies?
A. You need to speak and understand english, and be able to use a computer with a fairly recent version of Microsoft Word, email access and a printer and access to sending and receiving faxes.
Q. Will I benefit from your strategies if I have a busy schedule?
A. Yes, we have toll free and email access to analysts that provide immediate assistance and guidance through program content. We also provide you with the form and instruction you need upon request, so that you do not need to first complete your studies in order to receive all of the benefits.
Q. How do I contact your analysts or customer service?
A. You can contact our Rapid Response Team by online email inquiry in the Community Page and a toll free telephone number can be found in the CONTACT section of the Community Page.
Q. Once I complete this process to resolve my collection problems, will I ever be able to qualify for another credit card?
A. Yes, in the same manner you were able to qualify for credit when you first qualified. Q. How will implementing your strategies for one account affect my other credit accounts?
A. In some cases, a creditor may increase your interest rate if your credit history shows unpaid accounts. This can be remedied with a phone call.
Q. How frequently has your course been revised since 1993?
A. It is officially revised about every three months to accommodate changes in the collection strategies.
Q. Can your strategies assist me if the creditor attempts to force me into binding arbitration?
A. Yes, the course includes specific provisions for this particular type of collection problem.
Q. What kinds of other expenses might I expect if I am sued?
A. There may be a minimal filing fee in your state for the answer or counterclaim, along with very small costs related to copies, postage, notaries and deposition transcripts. In all, the related costs are very negligible.
Q. Do I need a computer and Internet access the Fresh Start Program?
A. It is helpful and suggested but not required.
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