Your paycheck.
Your life.
Not theirs.
FAQs
Who is FreshSlate.co and why should I trust you?
We’re connectors, not sellers.
Think of us as the friend who knows exactly who to call. We’ve connected over 100,000 people with legitimate companies like JG Wentworth (4.8 stars, 17K+ reviews) and Pacific Debt Relief (settled $500M+ since 2002).
We succeed when you succeed. It’s that simple.
What happens to my credit during this process?
Honest answer: Temporary impact, long-term gain.
Yes, your score may dip while in the program. But here’s what people tell us: “The relief is worth it.” Plus, many see improvement as balances drop.
“I was able to see my credit score increase while on the program” – Elizabeth, Pacific Debt client
Most importantly: You’re building a real financial foundation, not maintaining a house of cards. Start here.
Do I have to give up credit cards forever?
Real numbers from our partners:
Industry data shows settlements typically resolve for 50% of balances. After program fees (15-25%), most people save 25-30% overall.
Recent example from Pacific Debt:
- Chase card: $8,650 → $2,076
- Capital One: $16,755 → $8,378
Your results depend on your specific situation.
How does a fresh financial slate actually work?
The simple version:
- You pay into a dedicated account (not to creditors)
- Experienced negotiators work on your behalf
- Settlements reached for less than you owe
- Typically done in 2-4 years (not 20+)
Most see their first settlement in 4-6 months. Each success builds momentum toward your fresh start. Start here.
Why do people say this was the best decision they made?
Because they can sleep again. Seriously.
Here’s what we hear constantly:
- “I answer my phone now without my heart racing”
- “I can actually save money for the first time in years”
- “My kids have their fun parent back”
- “I’m planning a vacation instead of avoiding bills”
- “I feel like I can breathe for the first time in forever”
The relief isn’t just financial – it’s emotional, physical, mental. People tell us they had no idea how heavy the weight was until it lifted.
One client told us: “I spent 5 years trying to handle it myself, getting nowhere. My only regret is not doing this sooner.” We hear version of that story every. single. day. Start right here.
How do I know which Fresh Slate path fits me?
Great question – because one size definitely doesn’t fit all.
Your best path depends on:
- How much you owe
- What types of accounts you have
- Your income situation
- Your future goals
- Your state’s regulations
That’s why we start with a quick assessment. Takes about 60 seconds, doesn’t affect your credit, and shows you which partners and programs you actually qualify for.
Some people need aggressive settlement programs. Others do better with consolidation loans. Some benefit from credit counseling. We’ve seen it all, and we know which partners excel at which solutions.
The beauty? You don’t have to figure this out alone. You’ll see your personalized options and can choose what feels right. No guessing, no wondering – just clear paths forward.
What’s this going to cost me?
Always free to check your options.
Our partners charge fees only on successful settlements (typically 15-25% of enrolled debt). No upfront fees, ever.
Think of it this way: If they save you $12,000, they might charge $3,000. You still come out $9,000 ahead, plus years of your life back.
How much breathing room can I actually create?
Based on industry data from the American Fair Credit Council, here’s what’s typical:
Monthly payments: Most people cut their total monthly obligations by 40-50%. If you’re paying $1,000/month across all your cards now, you might pay $500-600 in your program.
Total amount paid: On average, settled accounts resolve for about 50% of the balance. After fees (typically 15-25% of enrolled debt), people who complete programs save about 25-30% overall.
Time to freedom: The big win – finishing in 2-4 years instead of the 20+ years that minimum payments often require. Pull out any credit card statement and look at the “minimum payment warning” box – it’s eye-opening.
Important: These are averages from industry data. Individual results vary based on your creditors, amount owed, and ability to complete the program. Not everyone qualifies, and not all debts can be included.
The bottom line? For people drowning in credit card minimums, a fresh slate typically means paying less each month, paying less overall, and being done in a fraction of the time. See your options here.