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What is meant by the phrase “fresh start?”

The “fresh start” concept allows you to free yourself from debt and engage in a newly productive life which is unimpaired by your past financial problems. This concept helps you avoid the permanent discouragement that would prevent you from ever wanting to reestablish yourself as a hard-working member of society and to strive to find a good life and fulfill the American Dream. The US Supreme Court has described a fresh start as “a new opportunity in life, unhampered by the pressure and discouragement of pre-existing debt.”