3-Step Process

# How It Works

Three steps. One mission — get you out from under oppressive payday debt.

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01
Step One

## Loan Verification

Our Payday Loan Relief process begins with verification. When you submit your information, one of our specialists reaches out to gather the details we need: which lenders, approximate loan amounts, monthly payments, and what state you live in. Then we go to work.

#### What we verify:

Is the lender licensed to operate in your state?
Is the loan being issued through a state exemption, tribal claim, or offshore structure?
Does the loan meet your state's legal requirements for consumer loans?
Are the interest rate and fees within what your state allows?

Cost

Free — $0

Time Required

10–15 min + 1–2 days

02
Step Two

## Loan Evaluation

Once we've verified your loans, we move into evaluation. This is where we gather and prepare the documentation needed to determine the validity of each loan.

#### What happens in this step:

We contact your payday lenders directly to obtain loan documentation
We review the actual loan terms against state and federal rules
We identify which loans are legally enforceable and which may not be
We build the roadmap for how we'll dispute the loans that don't hold up

"Most borrowers have never actually seen their loan reviewed against the rules the lender was supposed to follow. You'd be surprised how often the rules weren't followed."

Timeline

Usually 2–5 business days once we have documentation

03
Step Three

## Loan Dispute

This is when we take action. Using everything we learned during evaluation, we dispute the loans that shouldn't stand. Every case is different, so our approach is different for every client — but the goal is always the same.

#### Possible outcomes:

Balances reduced or eliminated
Payments restructured
Collection activity stopped
Money recovered (some cases)

Important: We can't guarantee any specific outcome. Every loan and every state is different. But we can guarantee we'll pursue your case honestly and work hard on your behalf.

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## Why Us

### Why Fresh Payday Relief

#### Over 6 Years of Experience

We've been helping clients with payday loan relief for over six years. Our specialists know this area inside and out.

#### Judgment-Free Service

You won't be lectured or made to feel bad about ending up here. Life happens. We're here to help you move forward.

#### Honest About What We Can Do

We're not attorneys, and we'll never pretend to be. Where we can help, we will. Where we can't, we'll say so.

#### Available When You Need Us

Call (833) 515-7849 — a specialist is waiting for you right now.

### Ready for Relief?

The verification is free. Let's find out what you're really dealing with.

Get My Free Verification Call (833) 515-7849