Use proven UK solutions (IVA · DRO · DMP) to freeze interest, cut payments and — in many cases — write off what you can’t afford. Friendly, practical guidance from Fresh Start Debt Support.
✅ Check If You QualifyIf you're feeling overwhelmed and want to clear your debts fast, you're not alone. Every day, people across the UK take back control by using legal debt solutions to stop interest, reduce monthly payments, and in many cases — write off a portion of what they owe.
At Fresh Start Debt Support, we help people just like you clear debt quickly and affordably. Whether you're behind on credit cards, loans, council tax or other bills, there's likely a path forward that suits your situation.
Start Free CheckThe fastest way to clear debt depends on your income, debt level, and personal circumstances. Below are some of the most effective UK debt solutions:
Each of these options is designed to help you stop creditor contact, avoid legal action, and reduce financial stress — fast.
See Your OptionsYou can clear many types of debt quickly with the right plan. These include:
Most unsecured debts can be included in a formal plan. In many cases, enforcement action and interest are stopped once a solution is in place.
Check EligibilityIf you’re falling behind or being chased by creditors, acting quickly can make a huge difference. The sooner a plan is in place, the sooner the pressure stops.
Get Help NowDRO: For lower income and qualifying debts (England & Wales limit currently up to £50,000). A DRO period usually lasts around 12 months, after which qualifying included debts are written off if circumstances haven’t improved.
IVA: A formal agreement with creditors, usually 5 years (sometimes 6 for homeowners). Once approved, interest/charges on included debts typically stop and remaining included debt is written off on completion.
We’ll help you find the fastest legal option based on your current income and situation.
Free AssessmentWith a formal plan like an IVA or DRO, interest and enforcement on included debts typically stop once the solution is approved. If you’re facing council tax or PCN enforcement, get help now and read our guides to council tax arrears, Rossendales, Marston Holdings, Equita, and Excel Civil Enforcement.
Tip: If you need breathing room immediately, read about Breathing Space (Debt Respite) to pause most interest and enforcement while you set up a plan.
Stop Action NowIllustrative only. We’ll confirm details and recommend the right route.
We don’t believe in pressure. Just simple, effective help when you’re ready.
Talk To UsYou don’t have to wait months to get help. In most cases, we can start the process the same day — and stop the pressure within 24 hours. If your debts are causing you stress, now is the time to act.
Check NowMany people search for consolidation loans when they’re stressed. But if rates are high or credit is poor, a new loan can make things worse. Instead, consider formal debt solutions designed to reduce payments and stop interest on included debts once approved (IVA, DRO) or negotiate reduced, affordable payments (DMP).
If you’re already missing payments, borrowing more could increase your total cost, risk defaults and impact your credit even further. A plan that fits your budget is usually safer and faster in the long run.
See: Compare IVA vs DMP vs Bankruptcy for pros/cons and timescales.
See My OptionsWith an IVA, interest/charges on included debts normally stop once your IVA is approved. With a DMP, freezing is informal but often agreed when a realistic budget is shown. Formal protection during set-up may be possible via Breathing Space (up to 60 days’ creditor protection).
A fair budget, evidence of income/outgoings, and a single affordable payment. We help you present this clearly so interest is more likely to be paused while a plan is arranged.
Freeze ChargesIf you’ve had a Notice of Enforcement for council tax or a PCN, you still have options. A correctly set up plan and/or Breathing Space can pause most enforcement while you arrange a solution. Read our step-by-step help for Rossendales, Marston, Equita, and Excel.
Confirm the debt type (council tax/PCN), secure valuables indoors, avoid opening the door if not required, and talk to us about pausing enforcement while a plan is set up.
Stop BailiffsFor eligible people on low income, a Debt Relief Order can wipe qualifying debts after around 12 months with no monthly payments. In England & Wales the debt limit is currently up to £50,000 and the application fee has been removed. If a DRO fits, it’s often the quickest route to a clean slate.
Low surplus income, limited assets and total qualifying debts within the current DRO limit. If your situation improves within the year, the DRO could be reviewed — we’ll help you check.
Check DRO FitIf you’re mainly struggling with cards/overdrafts, options include moving to a plan that freezes interest (IVA) or asking creditors to pause interest via a realistic DMP budget. If that won’t be enough, a DRO could be a faster reset for those who qualify.
Acting early means less added interest/fees and a better chance of pausing collections. Even if you’ve missed payments, we can still help you switch to one affordable path.
Start NowEverything starts with a fair budget. We’ll map essentials first (housing, council tax, energy) and then show what payment is genuinely affordable. From there we’ll confirm whether IVA, DRO or DMP is fastest for you — and what that means for interest, calls and enforcement.
Rent/mortgage, council tax and energy are top priority. Credit cards, loans and catalogues are usually non-priority and can be grouped into a plan.
Check Affordability