I have joined this site to share my experience of these companies for the good of all. In January of this year i recieved a call from Fresh Start Financial asking if im in debt and needed help, i replied yes. The phone call lasted about an hour, in which time i told him all my creditors and incomings and set up a debt management plan. It was explained that the first few hundred would go to set up costs, then after that, the money would be shared out amongst creditors. After a couple of weeks of paying i hadnt heard anything from them to... read full review »