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Your privacy

Nothing you enter is saved.

People put off dealing with debt because it feels exposing. It should not be. This tool is built so you can be completely honest with yourself without telling anyone anything.

What we never ask for

  • Your name
  • Your email or phone number
  • Your Social Security number
  • An account or login
  • Your bank or card details

How your answers are handled

  • Every calculation runs in your browser
  • Nothing is sent to a server
  • Nothing is stored, not even your state
  • Refresh or close the tab and it is gone
  • A PDF is built on your device, for you only
Why this matters. Bankruptcy decisions need honest numbers. If entering your real debt meant handing it to a company, you would round the corners, and the answer would be useless. So we built it the other way: tell the truth to yourself, privately, and get a real read.

The straightforward version

Fresh Start is an independent educational resource. It is not a government agency, a court, or a law firm. The whole guide runs entirely on your device. When you type a number, it stays in your browser's memory only long enough to show you a result. We do not collect it, we do not transmit it, and there is no database of users because there are no users to track.

What about getting help? If you ever decide you want a bankruptcy attorney to review your situation, you choose to share your summary at that moment, and only then. Nothing is sent anywhere automatically, and you would always see exactly what is shared and agree to it first.

If we ever add privacy-respecting analytics to learn which steps help most, we will count visits, never the numbers you enter, and we will say so here plainly first.

Back to the guide

Fresh Start provides general educational information only, not legal or financial advice. Bankruptcy is a major decision with long-term consequences. Before filing, speak with a licensed bankruptcy attorney in your state.