FRESH
START
Facing major life struggles and other hardships over debt? Behind on payments? You’re not alone — and you’re not out of options. We help good people find a way forward with clarity and care.
Clear, Compassionate Mediation for Debt-Related Legal Matters
At Fresh Start Mediation Services (FSM), we help individuals resolve debt-related legal matters with empathy, strategy, and zero judgment. We’re not a law firm — and we don’t pretend to be. If you’ve received a court summons, feel overwhelmed by collections, or don’t know what to do next, you’re in the right place.
Every case starts with a story — your story. At Fresh Start Mediation Services (FSMS), we take time to fully understand your financial situation before making any recommendations. This includes reviewing debts, court summons, past-due notices, and any communications you’ve received from creditors or collectors.
This step is about more than paperwork — it’s about listening. We know debt can feel overwhelming, so we create a safe, judgment-free space where you can share your concerns openly. By gathering the facts and hearing your perspective, we lay the foundation for a resolution strategy that reflects your needs, rights, and goals.
Not all debts are valid, and not all collection practices are lawful. Before you take any action, FSMS conducts a thorough review of each debt claim. We check whether amounts are accurate, whether proper documentation exists, and whether the collector is following legal guidelines.
This step is critical because errors are common in debt reporting and collection. You may be chased for debts you don’t owe, or for amounts inflated by hidden fees. By carefully verifying each detail, we protect you from unfair practices and ensure you only address what’s legitimate. Knowledge is power — and this process gives it back to you.
Once the facts are clear, FSMS becomes your advocate in difficult conversations. We know that negotiating with creditors can be intimidating, stressful, and confusing. Our trained mediators step in as neutral facilitators, working to find common ground while reducing the emotional burden on you.
Through structured mediation and skilled negotiation, we help secure practical solutions that may include reduced balances, extended payment timelines, or complete resolution of specific debts. Our role is to balance empathy with strategy — creating outcomes that are fair, sustainable, and aligned with your long-term financial health.
The ultimate goal isn’t just settling a debt — it’s restoring your peace of mind. Once agreements are in place, FSMS ensures that all terms are documented clearly, compliance is maintained, and you have a written record of your resolution. You’ll know exactly what was agreed to, by whom, and how to move forward.
But we don’t stop there. We also provide guidance on what comes next: how to protect your credit, avoid future pitfalls, and maintain control of your financial situation. A “fresh start” isn’t just a slogan — it’s a process that empowers you with both closure and confidence.
Built to reduce stress. Growing to serve you better.
FSMS focuses on clear, compassionate mediation for debt-related matters. Today you’ll find the essentials—who we are, how our process works, and how to begin. In the weeks ahead we’re adding a client portal, guided steps, and a resource library so every next move feels simple. If you need help now, we’re here.