Fresh Start Debt Support
If you're struggling with monthly payments, an affordable repayment plan could be the solution you need. Whether you’re behind on credit cards, council tax, utility bills or payday loans, we help you regain control with realistic monthly options.
An affordable repayment plan is a structured way to pay off debt based on what you can realistically afford each month. Instead of facing constant calls, late fees, or threats of enforcement, you can deal with all your debts in one go — and start rebuilding.
There’s no one-size-fits-all solution. Based on your income, living costs, and debt total, you may qualify for one of the following:
Every situation is different. Some people pay as little as £80 per month through a DMP or IVA — depending on their budget. Our team works with you to calculate a plan that puts food and rent first, not debt.
Try the Free Debt CalculatorNot necessarily. Even if you're unemployed or on benefits, you may qualify for solutions like a Debt Relief Order or a minimal-payment plan. We’ll assess your circumstances to find the most suitable route.
Yes — most debt collectors can be included in formal repayment plans. This includes companies like Lowell Financial, Moorcroft, Link Financial and more. Once your plan begins, contact from these companies should stop.