The First Responder Fresh Start Program Could Eliminate Up to 50% of Your Debt
- Spend less time worrying about debt
- Get the help you deserve
- Find your lower cost solution
How much debt do you owe?
Checking your options won't affect your credit score.
This isn't another loan
A consolidation loan moves your debt around. The Fresh Start Program works to shrink it.
A new loan
- You borrow more to pay off what you owe
- You still owe every dollar, plus interest
- Cleared cards often fill right back up
The Fresh Start Program
- Partners negotiate down what you already owe
- One monthly payment instead of a stack of cards
- A set end date, so there's a finish line
How it works
- 1
Tell us what you owe
Pick your debt range and answer a few questions. About 2 minutes, and checking won't affect your credit score.
- 2
See if you qualify
A debt specialist reviews your cards and balances and explains the options that fit your situation.
- 3
One payment, one finish line
If you enroll, your creditors are negotiated with for you and you make a single monthly payment until you're done.
Straight answers
Is this a loan?
No. The Fresh Start Program doesn't lend you money. It works to reduce the balances you already owe on credit cards and other unsecured debt.
Will checking hurt my credit?
No. Checking your options is a soft pull and won't affect your score. If you enroll in a debt relief program, your score can drop while your accounts are being negotiated. Your specialist will walk you through that trade-off before you decide.
What kind of debt qualifies?
Unsecured debt like credit cards, personal loans, and medical bills. Mortgages, auto loans, and federal student loans don't qualify. Programs generally work best if you owe $10,000 or more.
What does it cost?
Checking is free with no obligation. Debt relief programs charge a fee only after a debt is settled, and your specialist will explain the exact fee before you sign anything.
See if you qualify
2 minutes to check. No impact on your credit score.
Checking your options won't affect your credit score.
Responder Lending is not a lender or a debt relief provider. We connect you with third-party partners who may offer debt relief programs. The “First Responder Fresh Start Program” is our name for these partner programs and is not affiliated with any government agency, union, or employer. Debt relief is not available in all states and not all debts are eligible. Results vary, and savings depend on your creditors and on completing the program. Program fees apply. Enrolling may negatively affect your credit, and you may be responsible for taxes on forgiven debt.