New Leaf Financial is a debt settlement company that claims to get customers out of debt without having to go through a lengthy bankruptcy process. They offer free consultations and provide personalized advice tailored to the individual’s financial situation. The company advertises its services at newleafusa.com.
New Leaf Financial Summary
When choosing a debt settlement company, doing your research is essential. New Leaf Financial has gained a lot of recognition lately, but is it the best fit for you? To make sure you make a wise decision, you should take a closer look at their services. This article provides an overview of what they offer so you can determine if it is the right option for your financial situation.
We recently completed a thorough examination of this business’s website and procedures. Here are some major findings we uncovered.
- Clients who make monthly program payments are expected to pay approximately 52% of their enrolled balance before fees, or 70% including fees, over 12 to 48 months.
- Not all of their clients are able to complete their program for various reasons, including their ability to set aside sufficient funds.
- They do not guarantee that your debts will be resolved for a specific amount or percentage or within a particular period of time.
- It does not assume your debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services.
- Their service is not available in all states and fees may vary from state to state.
What is New Leaf Financial?

New Leaf Financial is a service that offers customers a way to pay off their unpaid debts. It provides tailored strategies and solutions to assist them in paying off their unsecured debts. Customers can either make a single payment to settle the debt or make smaller payments over time. This company has provided this service since 2012 with its main offices located in Cheyenne, Wyoming.
Currently, New Leaf Financial has an A rating with the Better Business Bureau, however, it is not accredited by the BBB. There has been one customer review and three complaints in the past three years, resulting in a 2 out of 5-star rating from customers.
How does New Leaf Financial work?
New Leaf Financial works to help people who are struggling to pay back their debts. The process begins with a consultation with a qualified debt settlement specialist. During the consultation, the debt settlement specialist will review a person’s finances and discuss the best options to pay off debt.
If a debt settlement plan is determined to be the best option, the debt settlement specialist will then negotiate with creditors to lower the amount of debt owed and create a payment plan that works for both parties. Once the payment plan is in place, the debt settlement specialist will work with the debtor to ensure that payments are made on time and keep creditors updated on the progress being made.
How to qualify for New Leaf Financial?
New Leaf Financial service is available to those who qualify. To be eligible, you must be in debt that exceeds 10% of your total annual income and have financial hardship. Additionally, you must be able to demonstrate that you cannot pay off your debt within a reasonable amount of time. You must also be willing to make a lump sum payment to settle your debt. Once you qualify for New Leaf Financial Debt Settlement service, you will be paired with a representative who can help you negotiate with your creditors to reduce your debt.
New Leaf Financial BBB Reviews
New Leaf Financial has been given an A rating from the Better Business Bureau, however, it is not accredited by them. In the past three years, only one customer review and three complaints have been made, resulting in a 2/5 star rating from customers.
Here are some reviews:
C.A. 08/21/2020
Initial Complaint 07/20/2021
Complaint Type: Problems with Product/ServiceStatus
Initial Complaint 03/08/2021
Complaint Type: Problems with Product/ServiceStatus
New Leaf Financial FAQs
How much does New Leaf Financial charge?
New Leaf Financial offers a variety of services to help individuals reduce their debt, and the fees associated with these services vary depending on the specific service and the individual’s individual circumstances. Generally, New Leaf Financial Debt Settlement charges an up-front fee that is based on the amount of debt that is being settled. Additionally, there may be additional fees such as monthly fees, administrative fees, and/or other fees associated with the services provided. It is important to discuss all fees and services that are available with New Leaf Financial before committing to any services.
Are there any pre-payment penalties with New Leaf Financial?
New Leaf Financial’s debt settlement service does not have any pre-payment penalties, which means that customers are free to pay off their debt whenever they can. New Leaf Financial puts the customer in the driver’s seat, allowing them to pay off their debt as quickly or as slowly as they prefer. The company also offers flexible payment plans and free consultations, so customers can find the best solution for their individual needs.
How does New Leaf Financial affect your credit?
The use of debt settlement services is often seen as a way to get out of debt and improve creditworthiness, but it can actually have the opposite effect. Debt settlement services can damage creditworthiness by resulting in collection proceedings and lawsuits from creditors or collectors. Additionally, the accrual of fees and interest can cause the outstanding balances of enrolled accounts to actually increase, rather than decrease. For this reason, it is important to carefully weigh the potential risks and rewards of using debt settlement services before making a decision.
How to cancel New Leaf Financial?
Canceling New Leaf Financial is easy and straightforward. First, you must contact customer service. You will need to provide your full name, address, and account number. Once customer service has verified your account and identity, they will be able to assist you with your cancellation. You will then be required to sign the cancellation form along with any other paperwork necessary, and then your account will be officially closed. By following these steps, you can easily and quickly cancel your New Leaf Financial debt settlement service.
After that, New Leaf Financial will take care of your request and end all active services. Additionally, they may also contact your creditors to tell them of the termination. It should be noted that any fees or unpaid amounts may still be required, and you should be sure to follow up with New Leaf Financial to confirm that your cancellation has been dealt with.

Are you struggling to make ends meet? Here are some helpful tips to get you back on track.
Are you having trouble making ends meet? If so, you’re not alone. Many people are feeling the pinch of rising costs, stagnant wages, and a challenging economy. But there are steps you can take to get back on track.
The first thing to do is to create a budget. This will help you determine where your money is going and what areas you can cut back on. Track your expenses for a month and then create a budget that is realistic and achievable. Be sure to include a savings plan in your budget to help you prepare for unexpected expenses.
Next, look for ways to save money. This could include taking public transportation instead of driving, shopping at discount stores, and eating at home more often. Also, consider cutting out non-essential expenses like streaming services, eating out, and buying coffee or snacks.
If you have a lot of debt, create a plan to pay it off. Start by paying off the debt with the highest interest rate first and then work your way down. Make more than the minimum payments when possible, and consider consolidating your debt if it makes sense for you.
Finally, look for ways to increase your income. This could include taking on a side job or freelance work, selling items you no longer need, or asking for a raise at work. Depending on your situation, you may also consider taking out a loan or seeking assistance from a credit counseling agency.
By taking the time to budget, save money, pay off debt, and increase your income, you can get back on track and start making ends meet. It will take some work and dedication, but it can be done. Good luck!
Is New Leaf Financial legit or a scam?
New Leaf Financial has been providing debt settlement services for over a decade and has an A rating with the BBB. While this is encouraging, there have been more complaints than positive reviews, with 3 complaints closed in the last 3 years, resulting in a 2-star out of 5-star rating. It is important for customers to be aware of this, and to do their research before making any decisions about using their services.
It is essential to research thoroughly before choosing a debt settlement company. Read customer reviews, confirm the firm has had success in the past, ensure that it is properly licensed and regulated, and make sure the services offered are transparent and honest to ensure you get the best result for your debt.
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Thank you for reading!
New Leaf Financial
New Leaf Financial Review
New Leaf Financial has been providing debt settlement services for over a decade and has an A rating with the BBB. While this is encouraging, there have been more complaints than positive reviews, with 3 complaints closed in the last 3 years, resulting in a 2-star out of 5-star rating. It is important for customers to be aware of this, and to do their research before making any decisions about using their services.