Fresh Start Plan
We Only Win If You Win
Debt is tough and confusing. We built this so you can get relief and truly conquer your debt. At DebtConquest, we succeed only if you succeed. We invest our time, tools, and money upfront to make sure your program works in real life, not just on paper.
Lawsuits are a choice creditors sometimes make on their own, but your plan includes legal support inside your one monthly payment to protect your progress and keep you moving toward settlement. You get the backup, the clarity, and a plan built to finish strong.
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DebtConquest is your lowest-cost, to becoming debt-free.
- 💳 One payment, full program
Your Fresh Start Plan and the legal support fee are combined into one simple monthly payment. No extra surprise bill just because a creditor chose to sue.
- 📣 Lawsuit? You just report it.
If a creditor sues on an enrolled unsecured debt, your job is to notify us and share the papers. You don’t have to figure out the next move on your own.
- ⚖️ Attorney on your side
An attorney is assigned to your case through the program where available. They handle the courtroom side while you stay focused on making your monthly payment.
How legal support works, step by step
The Fresh Start Plan is designed so that if a creditor takes the legal route on an enrolled unsecured debt, you have a clear, simple path to follow and a team behind you.
- You stay active in your plan.
Your legal support is connected to your Fresh Start Plan while you’re enrolled, in good standing, and making your one monthly payment.
- You’re served? You notify us.
As soon as you receive court papers on an enrolled debt, you contact the program and send copies so timelines are not missed.
- Your attorney is assigned.
We coordinate with the legal support network, and an attorney is assigned to represent you where available based on your state and case.
- They defend. You keep moving.
Your attorney handles the legal defense. You focus on your payment and the bigger goal: finishing your Fresh Start Plan and settling your debts.
How the Process Works
- Can a creditor still sue if I’m in the program?
Yes. Some creditors choose lawsuits as a collection tool even when you’re in a program. The difference with the Fresh Start Plan is that you’re not left to react alone—legal support is already built into your monthly payment, and an attorney can be assigned to stand between you and the courthouse.
Quick answers about legal support
Plain-language answers to the questions people ask most. Your exact terms are in your Fresh Start Plan agreement.
- 💰 Is legal support a separate fee?
No. The legal support fee is bundled into your one monthly payment for the Fresh Start Plan, so you’re not billed extra just because a creditor sued.
- 📣 What should I do first if I get sued?
Open the papers, note the dates, and contact the Fresh Start Plan support team right away. They’ll tell you exactly what to send and how quickly.
- 🛡️ Does this guarantee I’ll win?
No one can promise a specific outcome in court. Legal support means you have an attorney and a structured response—not that any case is guaranteed.
- 📄 Which debts does legal support cover?
It generally applies to eligible unsecured debts that are enrolled in your Fresh Start Plan, not to secured debts like mortgages or auto loans.
This page is a general summary and does not replace the detailed terms, conditions, and disclosures in your Fresh Start Plan agreement. Legal defense services are provided by independent attorneys or law firms, not by DebtConquest itself. Availability and scope can vary by state and by individual situation. Always consult a licensed attorney about your own legal questions.
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