Start New Financial Avis 

Mixed Up My Account With Another Customers - Now I am in COLLECTIONS - I started with Start New Financial in March of 2023 and sent them my accounts. Two of my accounts were with Barclay 254 and 073...now lets fast forward to 2024 and 2025. I was sent to collections regarding one of my Barclay accounts 254 and Start New Financial kept telling me they did not have that account on my file and they couldn't help me, but yet I have proof letters of them asking for Power of Attorney and also settlement offers. When I sent this information to them they replied they had Barclay accounts 084 (settled) and 219 (pending) - THESE ARE NOT MY ACCOUNTS! I would like a manager of this company to reach to me directly before I contact an attorney!

Start New Financial has amazing customer service. Professional, polite , and very informative.
Shannon was the representative that assisted me today and I was very pleased with her and how she was able to explain things in an easy way to me.

Omg I have had nothing but a great experience no one has ever been rude to me and any questions I ever have they are answered and explained in great detail I honestly am thankful I picked you to help me through my hard times.

IJoined this company in june. I was told my Arron the person that signed me up that I would see settlement as soon as September. Arron even gave me his personal phone number to call if i was concerned. I have heard nothing!!! I am sick very sick. I called early in the month of September asking to change the date of my auto drat from the 31 to the 30tg. I talk to a person and changed the date. I did not trust the recording to do it. she sssured me that it would come out on the 30th of September instead of the 21. Well it came out on the 21 and i was charged a 32.00 dollar overdraft fee that was not my fault. Your compNy would not consider paying me my overdraft fee when it was not my fault. I think I better get out of this program. I owed very little but now I have got my see in a mess. I don’t trust a company who does not take care of their mistakes. I can not afford this. My family has a laser in it and he said they should have made it right. I did not owe much at zll

She was very pleasant and very knowledgeable and she helped me through the paperwork great

Start New has helped give me a peace of mind has removed a lot of stress off of my shoulders since I've started working with them. I have had MANY companies tell me they could help me but I ended up paying a lot of money for NOTHING with them! Start New not only has provided me quick results, but has also been very kind and understanding to my situation. Thank you Start New!

Thus far my experience has been awesome. They always share how they can help me and explain why. Everybody is very polite. They listen well and the company very understanding.

After Covid I had gotten myself into TOO MUCH debt! I'm a single father with 3 growing kids and I had to keep putting food on the table even though I was in and out of work due to my business being affected by the shut downs. SNF has really stepped it up, and my credit is getting better and I have more money for living every month! Thank you SNF!

I started working with them through a rough patch that I was in (hardship) and they pretended to care to help me. They tried settling my 3 accounts but never got through the third one. I was offered a deal that as long as I made 6 months straight of the payments, without any missed payments or mishaps, I would be able to talk to their "BANK" and use a consolidation loan to consolidate all my payments and only end up paying 1 bill instead of 3 different accounts. I reached 8 months of straight payments, and I called their "bank" and they told me that I couldn't get approved for it because my credit score was too low. They never said that I needed my score to be high to get the loan even though it is StartNews fault that my credit was low. My credit was at a 700+ when I started and it went down below 500. Why do you offer that option to people and make it seem like as long as they follow the 6-month rules you qualify for it but then when you do reach it, you get told that the reason why you don't qualify for it is that your score is too low when getting in the program was supposed to help you with this and not make it worse and use the consequences of using the program against you. When I called Startnew all I was told "Sorry there is nothing we can do. You will have to continue making the payments and try again in 3-6 months". On top of that, they also don't work with you in terms of missing a payment. Even after I kept going with them and missed my first payment and made an extra one to make it up, that one payment was holding up one of the banks from getting paid, so they dropped the settlement and didn't tell me anything about it. No letters, phone calls, or mail about that settlement being dropped, and kept charging me for the full amount to pay the other account quicker. In my opinion, they should have at least reached out and told me what was going on before deciding themselves, when it is my account and my money. Later I changed jobs so I wasn't able to have the money for two payments (one month) but I was about to pay the missing payments through a direct installment and they kicked me out of the program. No warnings, No contact. I reached out to see what I could do, and they told me that my accounts had been dropped, and I needed to contact the banks to resettle the accounts through them. Lack of professionalism, and lack of communication BIG TIME on their part. After they leave your home, they don't contact you for anything else. You have to figure out everything by yourself. Unacceptable.

I wouldn’t recommend this company. My experience didn’t go too well with them. They dropped the ball more than once and left me with a 18K debt with a credit union that was named on the account from the start. Like many reviewers mention, their strategy is for you to stop paying your bills, ruin your credit, and put you in collections. This makes it easier for them to settle with your debtors. However, in my case, I moved once during the process. Then they dragged their feet with one of my debtors and that debtor took me to court and I never received the court notice/date and so I lost the case. I was court ordered to pay the full amount. No discount settlement on this debt. All SNF had to say was oops too late after they dragged their feet too long on that debt. I ordered them to pay off that debt to the court-ordered amount right away before things got any worse. Finally, I received a notice from Global Holdings, their bank associate company, that they were done and closing my account. SNF never informed me they were done with my account. I logged on and went through everything and saw that SNF left me with a 18K debt still in collection by my credit union. I called SNF and they claimed that the CU wouldn’t settle. I called my credit union and had a very friendly voice on the phone and they accepted a offer of half (.50 on the dollar) as a settlement to clear my debt which I am doing on my own. When I asked the CU if SNF ever called to settle. They looked through my records and saw that I had provided the number to SNF, and they logged several attempts to contact SNF and settle, but they never received a call back. If you use these people stay on top of what’s going on because they can drop the ball on you and things can get worse. And by all means, if by any chance you have the resources to negotiate and settle on your own with the creditors, do so, and don’t use these people.

They promised me debt relief on all of my credit cards. Numerous phone calls to me with their skit on how they will solve ALL my credit card debts. Almost 2 years in they DID help me with half of my settlements. The others it seems I have to figure on my own although they took on all my cards. Be careful with this company.

I received a letter in my mailbox concerning this program then I took time to called luckily Jay had just returned from his break, he answered my call and I told him that I was responding to a letter that I received in my mail box. Jay was so nice to me .He took his time to explained how the program work and its benefit to me. I was very skeptical at first but after he explained everything about how the program works I was motivated to go through the process. He explained everything including the lawyer fee which he said, if it is not needed anymore I should call them and they will remove it. However, I am very pleased with the program. He told me how long it will take to have all my accounts resolved . I am very greatful that I grabbed this opportunity to be free from debt 🙏 Mr. JAY in Start New Financial was a God sent to me on that day because I was praying so that I can get a program that will help me fix my credits and he did just that. Right away they are already working on my behalf and I believe this will resolved soon.

Mi nombre es .... mi existencia fue un asco con estos ladrones estafadores estuve pagando x más de dos años imedio y no isieron nada no pagaron absolutamente nada esta jente es una basura de ser humano te roban yo tengo que empezar de de nuevo apagar toda mis deudas después de regalarles xmas de dos años y medio 307 mensuales y eyos no pagaron ni un dolar y las compañías asta me an yevado a corte si piensan contratar esta empresa no lo agan son malos y te roban tu dinero estafadores

NO STARS
Do not sign up with this company...PLEASE, they are shady as HELL. MY very last payment was "apparently" lost in the mail to my creditor, and therefore this creditor, per SNF has now reneged on the original settlement, and if I wanted to continue with SNF, they will attempt to renegotiate with such creditor on my behalf for an additional $3,125, BUT if I go directly to such creditor, I will owe them $6033...LIES LIES LIES...I called the creditor MYSELF, who stated that MY balance was only $241, and SNF pulled back MY very last payment from them, that "so called" check that was lost in the mail. NASTY DIRTY DAWGSSSSS!!!!

This company is a scam! Please don’t use them. I paid close to $8,000. Half of that money I was charged in feed by them. The government needs to investigate this company.

You charged me close to $4,0000 in fees. That’s half of what I paid. I want my money back! I will be contacting attorney general in Michigan today to review all the documents.

You never tried to resolve anything. So please stop lying! We will speak further through my attorney. Have a great day in Michigan.

I paid Start New Financial nearly $18000 and now I am being contacted and grifted for an additional $7200. SCAM - stay away from them at all costs.

Updated: Thank you for your response. However, your "friendly representative" refused to put into writing that this was to be the final demand for an extension. I wanted a guarantee that this would be over. He was unable to assure me that continued requests for money would not happen. In addition, I requested a detailed summary of the accounts that had been settled. He also failed to send that to me. These actions are obvious that of a scam organization that exists only to grift money from trusting individuals.

Son unos estafades ladrones engañan ala gente ami me dijeron que pagaría por mi y que yo pagará una mensualidad 302 ahora resulta que necesito aser otro préstamo para que terminen de pagar y ya abia firmado un contrato ase como 2 años imedio oh 3 eyos vienen cobrando y no an pagado alas empresas que tenían que pagar prometieron que mi crédito no se vería afectado y es falso mi crédito esta por los suelos esta empresa es una basura ladrones y estafadores debemos de unirnos y de mandarlos por estafadores y mentirosos yo en mi caso ya estoy buscando un abogado para demandarlos no pueden aprovechar se de las personas según es un alivio y resultas con más problemas que antes... mentira no pagaron ni un sentabo de mi deuda y ami me cobraron por más de 2 años y medio 301 cada mes son ladrones no tienen nada de honestidad ni la conocen todos deberíamos de unirnos y aser una de manda contra esta empresa que en lugar de ayudar te unde más en la desgracia

I was totally unsure of what was going on with my case. Shannon H explained what was going on. I am releaved now and so happy I decided to use Start A New Financial. Thank You for the positive feedback.

These guys convinced my hard of hearing mother who has mild cognitive impairment to sign papers agreeing to help her manage her debt. They have charged her appx $150/mo for years now and she was sued by Discover for nonpayment. Their debt settlement has destroyed her credit. The implications of bad credit in her late years of life are awful. They yelled at us when I called to advocate for her. Please trust us and stay away. If you need help with debt, look for an nfcc.org approved credit counselor, and do not use a private company, please!

Very happy with the service. After making only one payment one of my accounts is already settled. Very fast-moving and the communication is great. Highly suggest this company.