Fresh Financial Solutions
Practice spotting debt-relief warning signs
Source: https://freshfinancialsolutions.com/debt-relief-scam-check/ — Page updated November 5, 2026. General education; not a professional review date.
A confident promise can sound helpful when debt feels urgent. Take a moment to practice checking an offer before sharing information or paying.
Would you pause?
Try five invented situations. Choose an answer and read the reason. This practice cannot verify a company or decide whether conduct is illegal.
No names, debt amounts or account details are needed. Your choices stay in this open page; they are not saved or sent.
0 of 5 situations answered.
Check the original guidance
- FTC: How to get out of debt
- FTC: debt-relief services and the Telemarketing Sales Rule
- CFPB: debt-relief programs and warning signs
A warning sign is a reason to investigate. An answer in this exercise is not an endorsement, provider rating or legal conclusion. Government links do not imply endorsement of this site.
Make time to verify
Ask for the legal business name, written fee terms, material risks, cancellation terms and any state authorization that applies. Find the business and regulator through independent channels. Read more than an advertisement or a caller’s message.
Consider contacting your creditor about hardship help, speaking with a nonprofit credit counselor or getting legal advice when appropriate. If you receive court papers, do not wait for a debt-relief company to resolve them.
Watch two short text lessons · Use the provider interview checklist · Report suspected fraud to the FTC · Submit a consumer finance complaint to the CFPB
Educational examples only. A complaint report does not guarantee investigation, recovery or a particular outcome. No named professional review is claimed.