Fresh Start Debt Support
Looking for straightforward debt help that actually fits your life? You’re in the right place. At Fresh Start Debt Support we keep things simple and human. Whether you’re facing council tax debt, credit cards, catalogues or overdrafts, our process is designed to reduce stress fast, protect priority bills, and move you into one affordable, sustainable plan where suitable.
This page explains our end-to-end process: from reading up on your options, through a quick JotForm, to speaking with a specialist who tailors a plan around your income, essential spending and real life. We’ll also show how we use Breathing Space and a unique reference number to help stop calls, letters and visits while we organise your plan.
Start My Free Debt CheckPrefer to learn first? See What We Do and compare your options at Compare Solutions.
Begin by exploring practical guides on our site. Good places to start include Compare IVA vs DMP vs DRO, priority bills like Council Tax Debt and Utility Bills, and specific debt types such as Credit Card Debt, Catalogue Debt, Bank Overdrafts and Personal Loans. These pages show how different solutions work, timeframes, and what to expect.
When you’re ready, fill in our quick form. It asks only what we need to understand your situation and how best to contact you. We know forms can feel daunting, so we keep it light.
Fill In the Quick JotFormOne of our advanced debt specialists will phone you. If we can’t reach you by phone, we’ll message from our business WhatsApp so you can reply in your own time. No scripts, no judgement—just a friendly expert focused on your best outcome.
We help you list every debt—even if you’re not totally sure what’s out there. If needed, we’ll guide a free credit check to confirm missing accounts. We’ll also identify priority issues like council tax arrears, rent/mortgage, and utilities so we can protect your essentials first.
Together we map your household income and essential expenditure so your plan is sustainable. You can try this yourself first with our Debt Calculator. The goal is a single, fair monthly payment that covers your non-priority debts without risking your essentials.
Once we understand your picture, we’ll connect you to a senior advisor best suited to your needs. They’ll walk you through pros and cons of options like a Debt Management Plan, IVA or DRO, and help you choose the route that fits both your budget and your future goals.
We stay with you throughout. You’ll receive a reference number you can give to creditors. Where appropriate, we help you use Breathing Space—a legal pause on most enforcement—so you can stop worrying about calls, letters or visits while your plan is being set up. We remain on hand to answer questions and keep everything moving.
Begin Step 1 → Quick JotFormWe focus on what protects your household first—roof, heat, light and essential travel—before tackling non-priority debts. This reduces risk and makes your plan stick.
Rather than juggling multiple creditors, most clients prefer one manageable payment across credit cards, catalogues, overdrafts, and loans. You can see how options compare at Compare Solutions.
We help you speak to creditors with confidence and reduce contact pressure. If debt collectors are already in touch, read Stop Debt Collectors and our guides on firms such as Lowell, Cabot, Moorcroft, Advantis and others listed in our menu.
Some formal solutions (like a completed IVA or an eligible DRO) can lead to part of your unsecured debt being written off. We’ll explain the trade-offs and help you decide what’s right for you.
Different lenders behave differently. Explore our pages for Barclays, HSBC, NatWest, Lloyds and Capital One to understand typical approaches.
See If I Qualify for HelpFalling behind on council tax debt can escalate faster than many other debts. Alongside housing and energy, it’s treated as a priority. Sorting priorities first keeps you and your family safe while we structure a fair offer for everything else.
After essentials are secure, we map an affordable payment across your non-priority debts: cards, catalogues, overdrafts, loans, and more.
Protect My Essentials FirstFlexible and informal. Many creditors freeze or reduce interest and charges. Great if you want adaptability and can maintain a steady payment but prefer to avoid formal insolvency.
Formal, legally binding. One affordable monthly payment; on successful completion, remaining eligible unsecured debt may be written off. Provides strong protection from most creditor action.
For low income/low assets. Debts are usually frozen for 12 months and written off if your situation doesn’t improve. Strict eligibility applies.
Unsure? See the differences clearly at Compare Solutions, then ask us for a tailored recommendation based on your numbers.
Get My Personalised RecommendationMost people who come to us don’t have just one debt. We commonly roll multiple debts into a single affordable plan:
Fewer moving parts, fewer surprises—and a clearer route to becoming debt-free.
Roll My Debts into One PaymentIf collectors are already contacting you, read our plain-English guides: What is debt collection? and Stop Debt Collectors. We’ve also written about major firms to help you respond confidently: Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax, and PRA Group.
We’ll help you channel all contact through a plan that reflects what you can genuinely afford, not what looks good on paper for one month.
I’m Being Chased — Help MeWe’ll try to call you promptly (and WhatsApp if we can’t get through). From there, we start your fact-find and budgeting immediately, prioritising urgent risks like council tax debt and utility bills.
No. If you’re unsure, we’ll guide a free credit check to identify missing accounts. We’ll also ask questions to pick up priority debts you might not have to hand.
They usually reduce contact significantly once in place. We also help you use Breathing Space appropriately, and we issue a reference number you can quote to creditors while your plan is being set up.
Debt solutions can affect your credit file. But for many people, the priority is stabilising the household, protecting essentials and stopping the spiral. We’ll talk through the trade-offs clearly.
Some formal routes allow for write-off at completion (e.g., a successful IVA) or after a qualifying period (e.g., an eligible DRO). We’ll confirm eligibility and implications before you choose.
We’ll help you set a plan with realistic headroom. If your income changes, we can review and adjust where the solution allows (for example, DMPs are typically more flexible; IVAs have formal variation processes).
Yes. We regularly support sole traders and company directors. See Business Debt and we’ll tailor your route to variable income.
Ask us directly and get a personalised answer in minutes.
Ask a Debt SpecialistOur affordability work is rooted in real-world spending. We start with core living costs, then set a sensible contribution to debts. Try the Debt Calculator to see what’s realistic before you speak to us.
Housing, energy and council tax are prioritised. This reduces the risk of escalation and helps you avoid emergency expenses later.
Cards, catalogues, overdrafts, loans, and similar debts are rolled into a fair offer through a DMP, or into a formal arrangement such as an IVA or DRO when appropriate.
See our simple guide to Breathing Space. The aim is to give you time to think and plan without pressure, while we get your long-term route ready.
Build My Budget with a SpecialistSome lenders are tougher than others. To understand how your bank or card provider typically behaves, check our guides: Barclays, HSBC, NatWest, Lloyds and Capital One. We’ll help you make offers that are fair and defensible.
If your account has been passed to a collector, use Stop Debt Collectors and look up the collector’s page for tailored tips. Knowledge = calm.
Get Help Dealing with My LendersOur goal is simple: fewer letters and calls, protected essentials, and a plan you can sleep on.
Start My Free Debt CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist