Fresh Start Debt Support
Received a letter, text or phone call from Advantis (sometimes shown as Advantis Credit)? You’re not alone—and you have options. This page explains who Advantis are, what they can and can’t do, and the exact steps to protect essentials, reduce pressure and move towards one affordable plan where suitable.
At Fresh Start Debt Support we focus on stabilising your home first—housing, energy and council tax—before tackling non-priority debts. If you’re hearing from multiple collectors (including Advantis), we’ll help you use Breathing Space where appropriate and provide a reference number so you can direct contact through us while your plan is organised.
Start My Free Advantis Debt CheckWant the basics first? See What is debt collection? and our practical guide Stop Debt Collectors. If you’re comparing routes, visit Compare Solutions.
Advantis is a UK debt collection agency. They may contact you about unpaid balances on things like energy/utility bills, telecoms, credit cards, store cards, loans, catalogues or other consumer accounts. In some cases, a debt purchaser or public body may have instructed Advantis to collect on their behalf.
It’s natural to want the calls to stop—fast. But the most successful outcomes come from setting a calm, household budget first and then making consistent offers to all creditors, including Advantis. That way, your plan is affordable and defensible.
Can I Put Advantis Into One Affordable Plan?If calls feel overwhelming, ask Advantis to write instead. See Stop Debt Collectors for simple wording and tips that reduce pressure while you get organised.
Most consumer credit accounts default with the original lender before moving to collection. The default date often determines when the entry drops off your credit file (typically six years). Even if Advantis contacts you later, that original default date is key to how long the record remains.
If a creditor (or their solicitors) is considering legal action, they may send a Letter of Claim. You’ll usually have time to reply, provide a budget and request documents. This is your chance to present affordability and consider Breathing Space if you need a short pause.
If a claim is issued, respond on time. The court can set affordable monthly payments based on your budget. A County Court Judgment (CCJ) doesn’t mean bailiffs the next day—enforcement is a separate step with further processes and choices.
Missing a deadline narrows your options. If you’ve had urgent post, we’ll help you triage and respond quickly—including checking for priority bills, looking at your affordability and guiding you on next steps.
I’ve Had an Advantis Letter — Help Me RespondBefore offering Advantis anything, secure the essentials so your plan sticks and your home is safe:
Once essentials are secure, structure a fair, consistent payment for everything else—cards, catalogues, overdrafts, loans—and any account Advantis is handling.
Protect My Essentials FirstList income, living costs and realistic variable spending (food, transport, clothing, school). Use our Debt Calculator to test scenarios and find a sustainable monthly figure with headroom for real life.
If you have multiple creditors, split your available amount fairly (pro-rata). This improves acceptance, reduces disputes and prevents one agreement collapsing because another creditor objects.
Have access to a lump sum from family or savings? A partial settlement might be possible. Get it in writing and check the exact wording on how the account will be reported. Consider the whole picture—don’t favour one creditor if it causes trouble with the rest.
File letters, emails and agreements. Accounts sometimes move between agencies—your paperwork is your shortcut to future clarity.
Ask About Payment Plans or SettlementsWhere appropriate, we’ll help you use Breathing Space—a legal pause on most enforcement—so you can gather documents and set an informed plan without constant calls and letters.
We’ll issue a reference number you can quote to Advantis and other creditors while we put your route in place (for example, a DMP, IVA or DRO where suitable).
Protected essentials, calmer communications, and one affordable plan you can keep—without overpromising on day one.
Start My Free Advantis Debt CheckInformal and flexible. Many creditors freeze or reduce interest/charges (not guaranteed). Helpful if your income is steady and you wish to avoid formal insolvency.
Formal, legally binding. Single affordable payment for a fixed term; 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 hasn’t improved. Strict eligibility but powerful when it fits.
Use Compare Solutions to see the differences clearly, then speak with us for a tailored recommendation based on your numbers and goals.
Get My Personalised RecommendationMost people we support have several creditors. Rolling them into one affordable plan reduces stress and stops you firefighting:
Fewer moving parts. Fewer surprises. A clearer route to becoming debt-free.
Roll My Debts Into One PaymentCollection styles vary, but your defence stays the same: a realistic budget, consistent offers and calm communication. For profiles of other firms, see Lowell, Cabot, Moorcroft, Capquest, Link Financial, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax and PRA Group.
Knowing who you’re dealing with helps you set expectations and avoid panic payments that undo next week’s food shop.
Get Help Dealing With My CollectorsOur approach is rooted in real-world spending. We start with costs that keep your home safe, then set a fair contribution to non-priority debts. Try the Debt Calculator to explore an affordable figure before you speak to us.
We prioritise housing, energy and council tax so you’re protected and not pushed into emergency costs later.
Cards, catalogues, overdrafts, loans and Advantis-handled balances are rolled into a fair offer via a DMP, or moved to a formal route like an IVA or DRO where appropriate.
See our guide to Breathing Space. It gives you time to plan without constant contact while we prepare your long-term route.
Build My Budget With a SpecialistYes—Advantis is a legitimate UK debt collection agency. Contact from them doesn’t remove your rights or mean immediate court. There are stages, and you have options.
Your lender or a debt purchaser may have instructed Advantis to collect. You can request written confirmation, a statement of account and, where relevant, details of the original creditor.
Advantis may recommend legal action via the creditor if no arrangement is reached. If a claim is issued, respond on time—courts often set affordable payments based on your budget. We can help you present your figures calmly and clearly.
Bailiffs (enforcement agents) are not automatic. Enforcement is a later step following a court judgment and additional procedures. Early, realistic arrangements help avoid escalation.
No. You can ask to communicate in writing if that helps you stay organised. See Stop Debt Collectors for advice on setting boundaries.
The main impact usually comes from the original default. A sustainable plan can help you avoid further action and stress. We’ll explain trade-offs clearly for each option.
Sometimes. If you can raise a lump sum, you may be able to negotiate a partial settlement. Get the agreement in writing and ensure it states how the account will be reported. Consider fairness across creditors.
That’s common. We regularly help sole traders and company directors set plans that reflect variable income. See Business Debt for more detail.
Ask us directly—no judgement, just practical help based on your numbers and goals.
Ask a Debt SpecialistOur outcome: protected essentials, calmer communications and one plan you can sleep on—even with Advantis in the mix.
Start My Free Advantis Debt CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist