Salt Lake City | St. George

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Get Out of Bad Auto Debt

Refinance at 5%. Qualify Now.

Credit Card Debt

Start Fresh Utah

Modify and Eliminate Your Debt. Start Fresh Now.

What Our Clients Think of Us

“Was recommended by another family member and even though we thought this was the worst case scenario, Ryan took the time to explain everything so we could understand and make the best decision for us.”

Joel P.

“Start Fresh Utah has changed my life. They did such a wonderful job with my case. My husband and I have been very thankful that they came into our lives at the perfect time and helped us out.”

Connie G.

“Ryan and the Start Fresh Utah staff have helped my wife and I greatly! My case was very complicated. I felt hopeless! They’ve worked hard to save our financial future and to help set us on a the right track.”

Jeff K.

Latest News

  • How Soon Can You File for Bankruptcy Again?

    How Often Are You Allowed to Declare Bankruptcy in Utah? If you’ve already filed for bankruptcy and you’re considering this option again, you’ll have to wait a specified number of years until you can file again. That’s why the bankruptcy option is only recommended when...

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  • Save Yourself with a Short Sale

    Short Sale as a Last Resort A short sale basically means that you sell your home for less than the balance of the mortgage loan. Although extremely effective, this option should be used as a last resort. If you’ve exhausted all other options to getting out...

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  • How to Pay Credit Card Debt

    Escaping Excessive Credit Card Payments Easy credit spells trouble for many Americans. In 2015 the average U.S household had about $15,500 in credit card debt. And with the national average annual percentage rate (APR) for credit cards at about 15%, many people find themselves constantly...

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