01
You tell us where things stand
What kind of debt, roughly how much, and the best way to reach you.
02
We match you to a licensed provider
Based on your state and situation — not every provider works everywhere or with every debt type.
03
You decide, they explain
A specialist walks you through what a program would actually look like. You're never enrolled automatically.
Fresh Ledger Financial is a marketing referral service. We are not a law firm, lender, creditor, or debt settlement/management company, and we do not provide legal or financial advice.
Submitting this form does not guarantee acceptance into any debt relief, settlement, or management program, nor does it guarantee any specific outcome, savings, or debt reduction amount. Program terms, fees, and eligibility are set entirely by the independent provider you are referred to, not by Fresh Ledger Financial.
No fee is owed to any referred provider until that provider has actually settled, adjusted, or renegotiated your debt and you have made at least one payment under the new arrangement, consistent with FTC Telemarketing Sales Rule requirements for debt relief services.
Enrolling in a debt relief or settlement program may negatively affect your credit and may have tax consequences. Creditors are not required to negotiate with any debt relief provider.
Not currently available to residents of all states. Availability depends on the licensing of the provider you are matched with.