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 Matters
At Fresh Start Mediation Services (FSM), we help individuals resolve debt-related matters with empathy, strategy, and zero judgment. We’re not a law firm — and we don’t pretend to be. If you’ve received multiple letters in the mail, 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 simple, and not all collection practices are respectful. Before you take any action, FSMS conducts a thorough review of each debt claim. We research whether amounts are accurate, whether proper documentation exists, and valid in their claims.
This step is critical because errors are uncommon in debt reporting and collection. At times, you may have been chased for debts you didn’t owe, or for amounts inflated by hidden fees. The times have changed...
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.
Truly, a fresh start!
The ultimate goal isn’t just settling a debt — it’s to build a solid foundation of integrity, trust, and compassion. Once agreements are in place, FSMS ensures that all terms are documented, presented, and filed appropriately. We ensure you have a written record of your resolution so that you’ll know exactly what was agreed to, by whom, and how to move forward.
A “fresh start” isn’t just a slogan — it’s a process that empowers you with both closure and confidence.
Simply, we are your beacon of light in the dark!
Built on the foundation of representing your best interests at heart.
Always 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, interactive support systems, and a resource library so every next move feels simple. If you need help now, we’re here.
From quiet efforts to real results: The ripple effect of successful mediation
Clients describe a quiet kind of rescue: clear explanations, honest guidance, and a plan they can actually follow. Many came in terrified about lawsuits or collections and left knowing their options, feeling heard, and finally able to breathe again. From walking people through negotiations step-by-step to sometimes saying, “you don’t need to hire us,” Fresh Start Mediation (formerly Clean Slate) has built its reputation on compassion, transparency, and outcomes that lift a real weight off people’s shoulders.
— Jennifer J., 5-Star BBB Customer Review
Resource Distribution
— Robert S., 5-Star BBB Customer Review
Volunteer & Project Support
— Robin B., 5-Star BBB Customer Review
