Fresh Start Debt Support
If you’ve fallen behind on your Capital One credit card payments, you're not alone. With rising living costs and high interest rates, many people across the UK are finding it difficult to stay on top of credit card debt. At Fresh Start Debt Support, we help people freeze interest, stop creditor calls, and reduce monthly repayments through trusted solutions like IVAs, DMPs, and the Breathing Space scheme.
Check If I Qualify for HelpYes. If you're struggling with payments, you may qualify for an affordable debt solution. We offer support for people facing:
We understand how stressful it is. Our team can help stop creditor pressure and guide you toward a practical solution.
You don’t have to face Capital One alone. At Fresh Start, we connect you with the right support — tailored to your financial situation. Here are some options we may discuss:
An IVA can legally write off a portion of your debt and consolidate everything into one monthly payment based on what you can afford. It freezes interest and stops further legal action from creditors.
A DMP is an informal plan where we help you negotiate reduced payments to Capital One and other creditors. Many people use this option to get back in control without court involvement.
If you're in temporary crisis, such as illness, loss of income, or emotional distress, this scheme gives you up to 60 days of legal protection from interest, fees, and contact from creditors like Capital One.
Compare All Debt SolutionsWe know this can feel overwhelming — especially if Capital One has passed your account to a debt collector or you're facing enforcement letters. But there is help available, and we’ll guide you every step of the way with no pressure, no judgment, and no upfront fees.
Our team is UK-based and trained to help with sensitive cases. We've supported people who were:
We’ll listen and give you clear options — starting with a free, no-obligation debt review.
Start My Free Debt CheckThey can — especially if you're on a DMP or using a scheme like Breathing Space. We help negotiate these freezes on your behalf.
Once you're on a formal plan like an IVA or under Breathing Space protection, Capital One must stop collection contact. We can help implement this fast.
Yes. Most clients include multiple debts such as credit cards, loans, overdrafts, or council tax arrears in a single monthly plan.
Absolutely. We treat every enquiry with full discretion. Your information is never shared without permission.
If you're behind on your Capital One credit card or feeling trapped by debt, you're not alone — and you don't have to face it by yourself. We're here to help you take the first step toward a fresh start.
Start now by answering a few quick questions. It takes less than 60 seconds and won’t affect your credit score.
Check If I Qualify