Fresh Start Debt Support
Stop creditor contact and check if you can write off credit card balances with an IVA, DRO or DMP.
✅ Get Started FreeQuick answer: If you’re stuck making only minimums, moving debt between cards, close to your limits, or getting letters from debt collectors, your credit card debt is already unmanageable. We’ll check if you can write off unaffordable balances, freeze interest and reduce payments — free and confidential.
Start My Free Debt CheckCredit card debt becomes “too much” when the repayments don’t fit your budget, interest keeps growing, or the stress affects your life. Look for these signs:
If any apply, act early — you’ll have more options to freeze interest, reduce payments and stop enforcement.
Check If I Can Get HelpTick any that sound like you:
One or more ticks suggests your debt is already unmanageable — but there are legal routes to get relief.
Self-Check My OptionsDelaying action usually means higher balances and potential legal steps:
Much of this can be prevented or reversed once you enter the right solution (formal plans typically freeze interest and stop enforcement once approved).
Freeze Interest & Stop ActionDepending on eligibility, these debts can be included in an IVA or DRO, and usually managed within a DMP too:
Not usually written off: child maintenance, some court fines and most student loans — we’ll show how to handle them safely alongside your plan.
See What I Can IncludeThere’s no one-size-fits-all. Here’s a quick comparison:
We’ll match you to the route that fits your budget and goals — and explain every trade-off in plain English.
Compare My OptionsIf you’re unsure which path fits, we’ll talk it through with you — free and without pressure.
Start the Step-by-Step Now0% balance transfer cards can help if:
Debt solutions (IVA, DRO, DMP) are usually better if:
We’ll help you compare both routes and avoid the “balance-transfer treadmill”.
Check the Best Route for MeIf for 18–36 months you pay more in interest and fees than toward the balance, your card provider must contact you about “persistent debt”. They may ask you to increase payments, move to a repayment plan, or consider alternatives. If you can’t afford this, we’ll help you assess safe options like a DMP or IVA and request interest be frozen.
If you need time to get advice, you may qualify for the government’s Breathing Space. It gives you:
We’ll confirm eligibility and help you apply if it’s right for you.
See If I Qualify for Breathing SpaceCredit card debts are “non-priority” but can lead to court if ignored. Know the difference:
Read our full guides and use them at the door:
Stop Bailiff PressureIn England & Wales, most unsecured debts become “statute barred” after 6 years without payment or written acknowledgment (court action resets the clock). In Scotland it’s typically 5 years. This area is technical — never ignore court papers. Ask us to check before you contact a creditor about very old debt.
Ask About Old DebtsDebt isn’t just numbers — it’s how you feel each day. Many people report:
Getting help is not just about lower payments — it’s about getting your life back. Most clients tell us their only regret is not acting sooner.
Take the First StepEmily, Manchester: £12,400 across three credit cards. Approved for an IVA — now pays £90/month, interest frozen, no more calls.
Martin, Liverpool: Multiple cards and overdraft. Qualified for a DRO — balances written off after 12 months when circumstances didn’t change.
Claire, Stoke-on-Trent: “I can finally open my post without fear. I wish I’d asked for help sooner.” See more on our testimonials page.
Get Help Like They DidFor added reassurance, here are trusted UK resources about problem debt and card borrowing:
Review these alongside our free support so you know your rights and protections.
There’s no single number. It’s “too much” when repayments are unaffordable for your budget, interest keeps growing, or you’re missing priority bills. Our free check shows what’s workable.
With formal solutions like an IVA or DRO, interest and enforcement are typically halted once approved. Many creditors will also freeze interest in a DMP.
It means you’ve paid more in interest/fees than toward the balance over a long period. Your lender must help you resolve it. If their proposal is unaffordable, we’ll help you explore safe alternatives and ask for interest to be frozen.
Most solutions protect essential assets, though high equity or high-value vehicles can affect eligibility. We’ll explain your safeguards and options upfront.
Prioritise them and speak to us urgently. We’ll help you stop enforcement and build a plan that covers both priority and non-priority debts safely.
Yes, our guidance is free and confidential. We’ll also explain any third-party fees (for example, if you proceed with a formal solution) before you decide.
Debt advice in the UK is regulated by the Financial Conduct Authority (FCA). IVAs are administered by licensed Insolvency Practitioners and DROs are made via approved intermediaries with the Insolvency Service. If you want free, impartial advice, you can also speak to StepChange or National Debtline.
We’ll always explain any fees clearly before you proceed. Where a third party provides a formal solution (e.g., an IVA provider), their fees are disclosed in writing. You’re free to compare with MoneyHelper and debt charities before deciding.
If you’re unhappy, you can complain to us first. If unresolved, you may be able to escalate to the Financial Ombudsman Service. For insolvency-related matters (e.g., IVA conduct), see the Insolvency Service’s complaints guidance.
We take privacy seriously and only share your information with your permission when it’s necessary to deliver your chosen solution. Read our Privacy Policy for details.
Only after a court judgment and enforcement stage. You don’t have to let bailiffs in for these debts, and there are rules on what they can take. See Bailiffs: Your Rights.
Check If I Qualify NowCredit card debt doesn’t define you. With the right plan you can stop interest, halt enforcement, protect your home and — in many cases — write off unaffordable balances. We’ll guide you every step of the way, free and without judgment.
Start My Free Debt CheckUse these independent sources to understand your rights and options:
These confirm your protections and the solutions we can set up with you.
Answer these quick questions to see which options may suit your circumstances:
Estimate how long repayments might take without help, versus using a formal solution: