Fresh Start Forms Teaching you how to live debt free...
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The FSF Debt Reduction Program
The B.A.M. Process
Financial Questions
General Information

Q.1 How long will it take for my order to arrive?
A. We use media mail - standard shipping on all packets. Your program should arrive within 3-6 business days.
Q.2 I live outside of the U.S., what are my shipping options?
A. We recommend to all consumers outside the U.S. to order our Digital Download version. You will get the full program, workbook and worksheets included; in digital format.
Q.3 I live outside the U.S., how can I get technical support?
A. Please feel free to write us at: Please include your full name and your order number in your email. Our support team will respond to your question as soon as possible.
Q.4 I ordered the Digital Download version. How do I unlock my program and get it to install?
A. You will need to enter the email ID you used when placing your order and your ACTIVATION CODE. This code was sent to you in a confirmation email from
Q.5 What system requirements will I need to have, to run your program on my computer?
A. System Requirements needed: Supported Operating System: Windows XP Service Pack 2 .Net Framework 2.0: Standard Windows update. Adobe Acrobat Reader

Q.1 Will your program work for me with my income or debt load?
A. The lending industry works universally within ratio. This means that your income can get you a certain amount of credit based on the ratio scale. The same ratio is used for all consumers. Therefore, if you have a high income your debt to income ratio will be very similar to that of a person with considerably less income. No matter what your income is, the amount of debt you have is proportionate to your income. This program works effectively for every consumer regardless of low income or high income.

Q.1 How do I learn more about the Budget, Audit and Monitor process?
A. The FSF Debt Reduction Program comes with a full color workbook; complete with simple how-to-steps and examples. The B.A.M. process was developed from reviewing thousands of severe debt cases. This 3-step process wil teach you how to regain the financial freedom you have unknowingly handed over to your creditors. Learn how to manage your finances once and for all. The B.A.M Workbook is the most valuable part of the program and it comes with the Fresh Start Forms Debt Reduction Software. Together, they guarantee your financial success.

Q.1 How can I pay off my debts and save for my retirement at the same time?
A. Using the B.A.M. Process you will learn how to regain control of all your monthly income. You will quickly be able to apply the principles in this program to pay down your debt and simultaneously build a savings for: emergencies, retirement and even your children’s education. Without an instruction manual, putting together your own furniture can be close to impossible. The same applies to financial freedom. You already have the right tools and all the pieces you need. We'll provide the instruction manual that will make achieving financial success easier.
Q.2 When I enter my mortgage payment into your plan, do I include my property taxes and insurance (Escrow) as well?
A. When entering your mortgage payment into the FSF-Debt Reduction Program, only list your principal and interest payment; also known as your P&I payment. Many homeowners opt to have their property taxes and insurance included into their monthly mortgage payment, this is called an Escrow. When you enter your mortgage payment into the FSF-Debt Reduction Program, do not include your escrow. WHY? Only the P&I payment is being applied to your loan for the benefit of paying down your debt. Although, you pay taxes and insurance every month, this money does not get applied toward your loan. Therefore, to get the most accurate calculation on your savings and your Debt Free Date, only list your principal and interest payment. If you pay your property insurance and taxes separately, simply enter your mortgage payment as you know it.
Q.3 Should I close my credit card accounts as I pay them off?
A. Cut up your cards, but I do not recommend you close the card accounts right away. The reason is that your credit score (FICO score) will actually be affected by your debt to credit line ratio. For example: If you have $2,000 in credit card debt and you have three credit cards with a total available credit limit of $6,000 your debt-to-credit ratio is 33%. The alternative would be if you have $1,000 in debt and only $1,500 in available credit, because you have closed the other two accounts. Your debt-to-credit ratio on your credit cards is now 66% which is much higher and less favorable to your FICO score. As you pay down more credit cards, you can begin to officiall close some credit cards. Be mindful of your debt-to-credit ratio as you close your accounts. You're desired result is to have just (1) credit card with a zero balance and modest credit limit.
Q.4 Bankruptcy v. Debt Reduction Programs
A. Which is better, filing bankruptcy or a debt reduction program? After a bankruptcy, you will have work to do, in order to rebuild your credit. Left unattended, your credit will not improve on its own. Using the Fresh Start Forms Debt Reduction program will take time and effort. Done propery, you will save thousands if not tens of thousands of dollars in interest alone. The best part is: paying off your debts through a debt reduction program does not hurt your credit, in fact, it helps your credit. We also recommend that you monitor your credit report once every four months to ensure its accuracy at all times. Remember, getting back on your feet financially is not just about a "clean slate" or wiping out debt. Achieving financial freedom is a process of paying down your debts, mastering your finances, and building a savings. We'll teach you how simple financial freedom is to achieve.
Q.5 What about just declaring bankruptcy?
A. Last year alone, more than 1.7 million people filed bankruptcy. Not all of them benefited from the bankruptcy process. They may have been able to rid themselves of their debt but are now facing the process of repairing their credit. Too many have not received the necessary tools and information such as the B.A.M. Process to keep from repeating their situation and falling back into debt. Without the necessary education and tools, bankruptcy is just a band-aid fix. After you have exhuasted all options, bankruptcy may be your last resort. Bankruptcy is for people who CANNOT make their monthly payments. If you CANNOT make your monthly payments, I suggest you visit, ask for a free consultation to speak with an attorney. Learn from an experienced attorney how the bankruptcy laws apply to your situation specifically and if bankruptcy is right for you.
Q.6 How does a Debt Reduction Program Work?
A. Does a debt reduction program really work? The answer is YES! Here is how our program works - Each of your creditors has been given a priority, based on the information you have provided. The DRP has given the debt that can be paid off in the least amount of months, the greatest priority. It is priority #1, and now labeled Creditor #1. The debt which will take the longest to pay off has been given the last priority. Your debt reduction payment is applied to the monthly payment for Creditor #1. This payment will remain constant until Creditor # 1 is paid off. All other creditors continue to receive their minimum monthly payments. When creditor #1 is paid off, creditor #2 receives his minimum payment plus the debt reduction payment, plus the minimum payment that was being paid to creditor #1. Creditor #2 will now receive a much larger payment until he is paid off and all other accounts will continue to receive their minimum payments. When creditor #2 is paid off, the process will repeat until all of your debts have been paid off. Our program will take all of your debt information and create a personalized payment plan based on your debts and income.
Q.7 Is it really a good idea to accelerate the payoff of my mortgage?
A. An average 30 year mortgage will result in nearly 2 ½ times the amount of the original loan amount. For example: If you have a 30 year mortgage at 7% interest for 135,000, your monthly payment would be approximately $900/month. Over 30 years, you would have paid the mortgage company more than $323,000. That’s nearly 2 ½ times the amount of the original loan of $135,000. This is a total of $188,000 in pure interest paid to the bank. You decide if you want to give your retirement away. What kind of retirement fund would you be able to build with $188,000? It is always the better idea to pay down your debt as quickly as possible.
Q.8 What if I can't even make all my payments each month?
A. The B.A.M. Process has been developed to help you find the money within your budget that will help you pay down your debt and live debt free. This program has been developed to help: single working moms, college graduates with student loans, young professionals, fixed-income households, consumers on goverment assistance and even consumers nearing retirement. Remember, the banks extend loans and credit based on income to debt ratios. If the credit has been extended to you, you can afford to pay it back. DO NOT make your creditors rich by paying high amounts of interest on your debt. Use the FSF Debt Reduction Program to pay the least amount of interest and live debt free in the shortest time possible.
Q.9 How can I possibly pay off a 30-year mortgage in less than 8 years?
A. The B.A.M. Process shows you how to find “money leaks” in your monthly budget. When those money leaks are fixed you now have B.A.M. dollars (action income) to use towards paying down your debt. By adding your B.A.M. dollars to the FSF Debt Reduction Program, you are able to accelerate your mortgage payoff significantly. For example: If you have a 30 year mortgage at 7% interest for 135,000, your monthly payment would be approximately $900/month. Over 30 years, you would have paid the mortgage company more than $323,000. That’s nearly 2 ½ times the amount of the original loan of $135,000. By using the B.A.M. Process you will find and fix those money leaks. Your B.A.M. dollars used together with the FSF Debt Reduction System will pay off your other debts relatively quickly. This can free up in many instances more than the mortgage payment itself, per household. If you added $1,000 to your mortgage payment you would finish paying off your mortgage in 7 years and 8 months. Most importantly, you would have saved more than $148,000. The size of your mortgage is likely different than this example. But the size of your income would be proportionate to the size of your mortgage. The results should be similar for you as well.
Q.10 Should I cash in my IRA or other tax-sheltered retirement account to use the money for debt-elimination?
A. You want to protect your tax-sheltered retirement account and save that for the far distant future. You also don’t want to pay tax penalties for closing out your IRA. You want to get out of debt without having to pay penalties or fees. I would recommend concentrating your B.A.M. dollars on debt reduction until you are debt free. This will be just a few short years. At that point you will be able to dedicate all of the income you were using to pay down your debt towards building a strong and comfortable retirement fund.
Q.11 What if my budget is so tight that I have nothing extra available to apply to debt-elimination?
A. I am often asked this question by clients before they have the opportunity to apply the tools in the B.A.M. Process. The B.A.M. Process is simple and effective in finding “money leaks” in any budget, regardless of income. After applying these tools, you will have right amount of B.A.M. dollars to aggressively pay down your debt. The FSF Debt Reduction Program is so effective at drastically paying down debt that you will get massive results with only adding $1 per month to the debt reduction program. The program does not require an extra monthly amount to be effective. But, you will be able to see the greater benefits and dramatic difference in your debt reduction by adding as much available income as you have, on a monthly basis.
Q.12 Shouldn't I pay off my debts in interest rate order...highest interest rates first?
A. When using the FSF Debt Reduction Program interest rates on debts are not the most significant issue. Here’s the reason why: The FSF debt reduction program is designed to pay off debts that can be paid the fastest. The money that was directed to a paid off debt is then rolled over to the next debt. Rolling over payments from a paid off debt to the next is the key to paying down your debt as quickly as possible.
Q.13 Should I get a consolidation loan to pay off some of my debts, or should I just pay them off as they are now?
A. Debt consolidation can be a very useful tool in debt management. Unfortunately, debt consolidation and refinancing are often used as band-aid fixes instead of the first step of a debt reduction process. A band-aid protects a cut or scrape, it does not educate you on how to prevent future cuts and scraps. The B.A.M. Process gives you the steps and tools needed to prevent future cuts and scrapes; such as credit cards and loans. This education is important; otherwise you can be tempted back into unconscious spending and charging up credit cards. Too many Americans end up far worse than before a consolidation.
Q.14 What do I do if my spouse/partner is not interested in cooperating with me in implementing your plan?
A. Review both your long term and short term goals with your spouse/partner. Be aware of their goals as well. Understand, that not putting a plan into place delays your ability to do the things you both want to do with your lives. How much of your hard earned money do you want to give away?

Q.1 What is your privacy policy?
A. We take your privacy very seriously. At the bottom of every page you will see a link to our Privacy Policy. Please review it to learn about the steps the we take to protect your privacy.

Q.1 How do I contact you?
A. You may write us at: Fresh Start Forms LLC PO Box 3351 Oak Park, IL 60303-3351 Or you can call us toll free: 800-718-5328

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Lifetime saver sings our praises:

I was destined to find FreshStartForms. I'm a lifetime saver, I get a kick out of saving money. I've never struggled with debt, but I am always looking for ways to make my dollar go farther. I FOUND IT! Without getting a second job or working extra hours, I am going to save $100,088 in interest payments and payoff my property 13 years and 5 months faster.
Nurse can advance her career:

I have always wanted to get my Masters degree and advance my career. With my student loans and other debts, I never thought I would be able to afford school again. With the FSF-DRP I will be completely debt free in just 3 years and 8 months. I will finally be able to go back to school.
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