Fresh Financial Solutions
Understand the fee and the risks before agreeing
Source: https://freshfinancialsolutions.com/service-fees-and-risks/ — Page updated November 5, 2026. General education; not a professional review date.
Fresh Financial Solution, operating as Fresh Financial Solutions, has provided a service-fee basis of 20% of enrolled debt. Before you agree to any service, read the complete written agreement and ask how the fee is calculated, earned and collected for each debt.
A simple fee example
If $10,000 of debt is enrolled and a 20% fee applies to that amount, the stated service fee is $2,000. The amount enrolled is the starting amount used in this example. A different enrolled amount changes the fee.
This example describes one charge. Your total outlay can also include amounts paid to creditors, account charges or other agreed costs, and possible taxes. Interest, late charges and unresolved debts can affect the result. A fee example does not predict a settlement, net savings or a monthly payment.
Ask for these details in writing
- Which legal business provides the service and which specific debts are covered?
- What balance is used to calculate the 20% fee, and how are balance changes handled?
- When is a fee earned and when may it be collected for each debt?
- Are there account, processing or other charges, and who receives them?
- What happens if a creditor refuses, you cannot continue, or you cancel?
- Which cancellation, withdrawal and refund terms apply?
- Is the particular service available and authorized where you live?
The quoted percentage alone does not answer those questions. Obtain the complete applicable terms before deciding.
When can a debt-relief provider collect its fee?
For services covered by the FTC’s Telemarketing Sales Rule, a provider generally cannot collect its fee until at least one debt has been successfully changed, you have agreed to the change, and you have made a payment under that agreement. Additional rules apply, including how fees are allocated across multiple enrolled debts. Coverage and state requirements depend on the circumstances.
Read the FTC’s debt-relief business guidance. This general explanation does not establish a particular transaction’s legal treatment or replace your written agreement.
Understand what could go wrong
- A creditor may refuse an offer, and not every debt may settle.
- Missed payments can harm your credit, increase balances and lead to collection or lawsuits.
- Enrolling in a program does not automatically stop calls, a lawsuit or a court deadline.
- Canceled debt may have tax consequences. Ask a qualified tax professional about your circumstances.
- A proposed deposit must fit your budget after essential needs. An unaffordable plan can be difficult to complete.
Do not stop paying a creditor based on this page. Compare hardship assistance, credit counseling, consolidation, settlement and legal options, and read the CFPB’s explanation of settlement risks.
Fee percentage supplied by the business owner. Sources checked November 5, 2026 UTC. No result, eligibility decision, legal representation or professional review is promised. Important disclosures · Sources and corrections.
What does a 20% fee mean?
Our stated service-fee basis is 20% of enrolled debt. This illustration shows that fee only; it does not predict settlement, monthly payments or total savings.
Your entry stays in this tab. Creditor payments, account or other applicable charges and possible taxes are separate. This is not a quote or a fee-collection schedule. Applicable law and the written agreement control when a fee may be earned or collected. Read the fee and risk explanation.