Fresh Start Debt Support
Estimate an affordable monthly payment, see potential IVA write-off at £70/month, and ask about Breathing Space to pause interest, charges and most enforcement while we set up the right plan.
✅ Start Free Debt CheckUse our tools below to estimate a realistic monthly payment and (if you qualify) a rough IVA write-off at £70 per month. Then, with your consent, we verify everything against bank statements and place you with the right team for a DMP, IVA or DRO. Where suitable, we help you access Breathing Space first to pause interest, charges and most enforcement while we set up your plan.
Start My Free Debt CheckEnter your total unsecured debt to see broad options. This is a guide — we’ll refine it with a full review and documents.
Next step: ask about Breathing Space to pause interest/most enforcement while we build your plan.
Send My Numbers SecurelyIf you qualify for an IVA, you make one affordable payment for a fixed term (usually 5–6 years). Use this quick tool to estimate how much of your unsecured debt could be written off if you paid £70/month.
Note: This is a simple estimator. IVA fees are typically included within your affordable payment. Exact terms depend on eligibility and creditor approval.
Official scheme info: GOV.UK — Breathing Space (Debt Respite Scheme).
Ask If I Can Get Breathing SpaceYour safe payment is what remains after essential bills and realistic living costs. Our calculator gives a guide; we then validate against statements so creditors accept it and interest reduction is more likely.
Some IVAs are approved at lower contributions if the budget supports it. Try the estimator above, then we’ll check eligibility and creditor appetite for your case.
A DMP is informal and flexible. Many lenders freeze interest when you show a fair, consistent payment based on a verified budget.
It’s not a money amount — it’s legal protection: creditors pause interest, most fees and most enforcement while you set up a plan with an adviser.
Once protections apply (Breathing Space or a formal solution), most new enforcement is paused. We’ll contact creditors in writing and move you into the right route swiftly.
Get My Free PlanNo. It’s just guidance. Formal solutions have credit impacts during the term, but they stop things worsening and give a clear finish line.
Ask About Credit ImpactIt’s an estimate. We make it accurate by confirming income, bills and spending from your bank statements and using fair allowances so creditors accept it.
Get a Verified BudgetUsually 5–6 years. In some cases an extra 12 months replaces equity release if you own a home.
Read More About IVAsYes, in April 2024, making DROs more accessible if you meet strict low-income/asset limits.
See If I Qualify for a DRODifferent options apply (e.g., temporary moratorium, Trust Deeds, DAS). Tell us your postcode and we’ll signpost correctly.
I’m in Scotland — Help MeUse the calculators, get protected with Breathing Space, and move into a plan that fits your life. We keep priority bills safe, speak to creditors in writing, and guide you to the route with the best outcome.
Start Free Debt Check