Start New Financial Reviews 50

TrustScore 4 out of 5

3.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

See what reviewers are saying

Rated 5 out of 5 stars

I am very happy that one of my creditors has agreed to a settlement. So far that was quicker than I expected. When I called to ask questions about how payment for the remainder for this creditor wou... See more

Company replied

Rated 5 out of 5 stars

Was online and having a hard time trying to understand some of the financial statements and called and was put thru to Customer service. They were able to walk me through it very easily to where I was... See more

Company replied

Rated 5 out of 5 stars

Shannon was so helpful. She explained more to me and put me at ease more than any other staff member I've spoken with since I started working with Start New Financial. She shared real world experience... See more

Company replied

Rated 1 out of 5 stars

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... See more

Company replied

Company details

Written by the company

Start New Financial is a U.S. company headquartered in Grand Rapids, Michigan. Over the last few years, Start New Financial has helped thousands of clients eliminate, in total, millions of dollars in debt. Start New Financial is a member of the American Fair Credit Council; the International Association of Professional Debt Arbitrators; and the Better Business Bureau, with which Start New Financial maintains an A+ rating. Start New Financial’s team members have, together, decades of experience in the debt-resolution industry. Start New Financial’s team members maintain accreditation from the International Association of Professional Debt Arbitrators. Start New is committed to helping its clients and in conducting it's business honestly, ethically, and professionally.


Contact info

3.8

Great

TrustScore 4 out of 5

50 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 90% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Professional and helpful

Professional and helpful. Exceptional customer service

April 14, 2026
Start New Financial logo

Reply from Start New Financial

Hello Malcolm! Thank you for the compliments! We think you are an exceptional client :)

Rated 5 out of 5 stars

I am very happy that the customer service representative was so understanding and patient with me.

I am very happy that one of my creditors has agreed to a settlement. So far that was quicker than I expected.
When I called to ask questions about how payment for the remainder for this creditor would work, the agent I spoke with was very helpful in answering all of my questions. She explained how I would continue to make payments to you and you would take care of making the payments. I asked many questions, and I have trouble remembering words to describe what I was asking for. She was very patient with me and would ask me questions to see if she had the right word I was trying to remember. I appreciated that so much.

April 7, 2026
Start New Financial logo

Reply from Start New Financial

Hello Diane! Wow! What a thoughtful review! Thank you for taking time out of your busy schedule to share this feedback with the public. We appreciate you! Have a fun week :)

Rated 5 out of 5 stars

Customer service is top notch. Can even help those not tech savvy like me

Was online and having a hard time trying to understand some of the financial statements and called and was put thru to Customer service. They were able to walk me through it very easily to where I was able to understand it in minutes. Very friendly and pleasant.

March 31, 2026
Start New Financial logo

Reply from Start New Financial

Hi Jerry!! We're so happy we were able to assist you! Give us a call anytime and thanks for sharing the good news about Start New Financial! Take care :)

Rated 5 out of 5 stars

Very helpful and pleasant talk to.

Very helpful and pleasant talk to. I felt that you were happy to answer my questions, I didn't feel rushed.

March 17, 2026
Start New Financial logo

Reply from Start New Financial

Hi Sylvia!! Always happy to help! Thanks for the feedback and have a great day! :)

Rated 5 out of 5 stars

Very informative and took the time to…

Very informative and took the time to explain my account. Didn't know I had to pay a check fee each time I made a payment. Representative very knowledgeable 😃

March 10, 2026
Start New Financial logo

Reply from Start New Financial

Hi Yolanda!! We're glad you called and we were able to assist you! Thanks for sharing about your positive experience with Start New Financial! :)

Rated 5 out of 5 stars

Shannon was so helpful

Shannon was so helpful. She explained more to me and put me at ease more than any other staff member I've spoken with since I started working with Start New Financial. She shared real world experience, was apologetic, and listened. She deserves a raise! That call was how how every call should go.

March 3, 2026
Start New Financial logo

Reply from Start New Financial

Hello!! Love, love, love this review! Thanks so much for taking the time to share about your positive experience with Start New Financial! :)

Rated 5 out of 5 stars

its such a relief to know by debet is…

its such a relief to know by debet is NOW taken care of and PAYED OFF!!! great custmer service all ways talked to a knolageable REAL PERSON!! THANK YOU SOOOMUCH .

February 13, 2026
Start New Financial logo

Reply from Start New Financial

Hello!! YOU ARE SOOOOO WELCOME :) :)

Rated 5 out of 5 stars

Absolutely wonderful and so friendly

I spoke with a representative from Westpoint MS. Not sure of her name but she went above and beyond to help me. Even stayed on the phone while I figured out how to do something. Love that lady 😁

February 18, 2026
Start New Financial logo

Reply from Start New Financial

Howdy Sonya!! Our Support Team loves helping our clients! Thanks for posting :)

Rated 5 out of 5 stars

I appreciate the reminders of paydates…

I appreciate the reminders of paydates and periodic emails touching base, also the email links to my escrow account.

February 16, 2026
Start New Financial logo

Reply from Start New Financial

Hi Suzanne! Thanks for these comments! We try very hard to provide full transparency throughout your program! Have a fun week :)

Rated 1 out of 5 stars

I DONT EVER RECEIVE ANYTHING SHOWING…

I DONT EVER RECEIVE ANYTHING SHOWING WHERE MY MONEY IS GOING AND NOW IT IS EVEN GETTING HARDER TO CONTACT THEM I DONT WANT MY MONEY WASTED SO HOW DO I GET OUT OF THERE CONTRACT AND GO TO SOMEONE THAT WILL SHOW WHERE MY MONEY IS GOING

February 2, 2026
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello Mr. King - We are happy to assist you with request. The easiest way to access a variety of aspects of your program is through your online client portal. You may access this portal 24/7/365. Within the portal you will find a tab that offers full transparency to how/when/where all of your program funds are allocated. As an alternative way to access this information, you may contact Global Holdings, which is the platform responsible for the management of the FDIC insured bank account associated with your program. If you need any assistance with accessing either your online portal or Global Holdings, or if you have any other questions, we have live support representatives available during normal business hours. We sincerely look forward to helping you! :)

Rated 1 out of 5 stars

I faithfully made payments to the Star…

I faithfully made payments to the Star New Finance program for two years, even paying more than I originally owed on my credit cards, including an additional $1,100 to finish faster. However, I was later told I had to continue paying for eight more months, as the program only managed to cover 3 of my 6 banks. I had to cancel the other 3 banks on my own and ended up personally giving the program $9,500. I find the program to be non-transparent and insensitive to the real situation and effort of each person; instead of helping, it leaves users more in debt. I do not recommend entrusting your money or time to this program. Thank you for your response. My dissatisfaction is not based on theoretical comparisons about making minimum payments over the long term, but on my real experience in your program, which did not deliver what was promised. In addition to not achieving the expected results, my credit was negatively impacted and I ended up losing nearly twice as much. Had I seen in advance the comments and experiences shared by other customers, I would not have enrolled with your company. There are other programs that take clients’ real needs into account and provide a more human and supportive approach. My intention is simply to help other consumers make an informed decision.

December 18, 2025
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello and thank you for this sharing this feedback. Because your satisfaction is our priority, we're saddened that you are displeased with the results of your program. While we understand and respect your perspective, we'd like to offer a different point of view that many of our clients have shared. The true benefits and savings of a debt resolution program like ours are more obvious when compared to the alternative to continuing to make minimum payments to your creditors. Just as an example, a consumer that has $9,000 in credit card debt, who makes only the monthly minimum required payments (as does our typical enrollee due to financial hardship), will easily pay over $15,000 worth of interest over, about a 30 year period of time, in order to pay off the balance. Please understand that we are not dismissive of your concerns because of course they are valid. We simply would like to bring attention to how we look at the numbers. Again, thank you for the feedback and we are sorry our program did not meet your expectations. Take care and Happy Holidays!

Rated 1 out of 5 stars

SCAMMERS!! This place didnt pay anyone they were…

This place didnt pay anyone they were supposed to for 3 yeaars, then we ended up getting sued by the banks. While over all that time interest added up so now were in EVEN more debt!!!! Its a scam!!!! They kept all the money!!!!! Its a "legal" loophole they have taken advantage of.

December 17, 2025
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello Shannon - We'd sincerely like to help but we are having difficulty locating your file. We are sensitive to privacy concerns so you may not want to provide further identifying information on this public platform, but perhaps you can call us to discuss further.

Rated 1 out of 5 stars

I get not communication

I get not communication. 5 days ago I requested to cancel because its ridiculous. Now there telling me another five days you do ach when taken my money but want to send a check for my balance which is 674.04 but we all no they will take most of that. There services have not raised my credit at all im.raising my credit by paying stuff off. There lazy and don't want you canceling . I have sent them 10 emails wanting to cancel and they told me monday the 12th they will email me and I can cancel now they send me another email stating 5 more days no maam do some work and cancel they are just holding off for there own purpose which god only knows they probably want that 30 evergreen money thats due the 23rd

After waiting on my ach its still not pending in my acct. Which they say no later then Dec 15th but this isn't true

They sent me a message on the 12th stating it was ach to my account 663.29 because they couldnt help but take that last 10.75 out of the 674.04 god forbid. But I contacted my bank nothing is pending. My bank is open on saturdays it would've made it to my account today. I absolutely 💯 dont trust them. And thank god I wrote everything down during this journey because the amount they are.congrulating me on doesnt add up to what ive written down the last 28 months
Duly Noted Dec 16th Still Nothing

December 9, 2025
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello Mary - Your cancellation is being finalized. We sincerely apologize for the delay. An ACH refund for $674.04 will process no later than 12/15/25. We understand your concern for your credit. We hope that your credit profile has/will improve as a result of our successfully resolving $5,669 worth of unsecured debt. This is a great accomplishment! Congratulations! :)

12.16.25 - The ACH withdrawal for $674.04 is now showing as pending on our side, scheduled to process today. We apologize for the delay. Let us know if the amount does not post to your bank today.

12.16.25 7:43PM MST - Showing cleared on our side.

Rated 1 out of 5 stars

Rip off artists!

Our dealings with Start New Financial were the worst experience I have ever had with any company. Absolutely the worst!!! I ended up with the sheriff coming to my place of business twice to serve me papers because Start New Financial dropped the ball. I had endless calls for months and months from creditors who had never been contacted by Start New Financial. Our credit scores plummeted down to the low 500s when we were told this program would have minimal impact. I think their "I could care less" attitude is what made me the most angry. We threatened by them if we didn't make our monthly payments. And we had to deal with third world country agents who didn't have a clue what they were doing or talking about. I would never recommend Start New Financial to anyone. Not even my worst enemy!

October 30, 2025
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello Joseph - Thank you for taking the time to provide this detailed feedback. We care deeply about all of our clients and it's disappointing that sentiment seemingly didn't show based on your described experience. We'll do a deep dive into your file and try to determine how and why things turned south. We understand we'll never be perfect but feedback like yours will help us make improvements for future clients. Thank you again and take care.

Rated 4 out of 5 stars

Best choice to use SNF

Best choice to use SNF. They are courteous, friendly, and knowledgeable. I am on track to finally getting debt free. No phone calls from debtors because SNF have a legal team available to assist you which makes me stress free.

August 13, 2025
Unprompted review
Start New Financial logo

Reply from Start New Financial

Hello Ada! Thanks for sharing about your positive experience with Start New Financial! We're so happy to help you :)

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look