Looking for Free Debt Help in the UK? Start Here

Struggling with debt but not sure where to turn? You're not alone. Thousands of people in the UK search for free debt help every day — and at Fresh Start Debt Support, we're here to guide you with no fees, no judgment, and no pressure.

Whether you’re behind on credit cards, loans, council tax, or utility bills, we’ll help you explore proven solutions like IVAs, DMPs, and DROs.

All our support is completely confidential and tailored to your situation. If you’re based in the UK and need debt help for free, this is the right place to begin.

What Is Free Debt Help — and How Does It Work?

Free debt help means getting professional guidance and exploring legal debt solutions without being charged for advice. At Fresh Start, we offer:

• ✅ Free review of your income, debts, and expenses
• ✅ Free eligibility check for debt solutions
• ✅ Free support throughout the application process
• ✅ Clear, simple explanations with no pressure

We’re not financial advisers and don’t offer regulated advice — but we help people explore legitimate UK debt solutions in plain English. Whether it’s a formal option like an IVA or an informal DMP, you’ll understand every option.

Who Qualifies for Free Debt Help UK?

We support individuals across the UK who are facing:

• 📉 Missed or late payments on loans, cards, or household bills
• 📞 Harassment from debt collectors or bailiffs
• 📊 Debts that are growing due to interest or charges
• 🧾 Legal letters or threats of court action

Whether you're employed, self-employed, claiming benefits, or have no income at all, there are solutions that may help you freeze debts, stop enforcement, and make progress.

We never charge for our guidance. If we believe a solution is right for you, we’ll explain how it works, what it involves, and help you apply if you choose to proceed.

Debt Solutions Available Through Free Debt Help

When you reach out for free debt help in the UK, you're not just getting information — you're opening the door to real solutions. Here are some of the most common debt plans we can help you explore:

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement where you make one affordable monthly payment for up to 6 years. At the end, any remaining qualifying debt is written off. An IVA also protects you from bailiffs and court action. You’ll need to owe at least £6,000 to qualify, with multiple creditors.

Debt Management Plan (DMP)

This informal solution is ideal if your income varies or you don’t qualify for a formal solution. A DMP allows you to repay your debts over time, often with interest frozen. Great for credit card debt or overdrafts.

Debt Relief Order (DRO)

If you're on a low income and don’t own assets, a DRO can freeze your debts for 12 months. If your situation hasn’t improved after that period, your debts are written off. It’s one of the most powerful forms of free debt help UK — but it has strict eligibility criteria.

Not sure which is right for you? That’s what we’re here for.

How Fresh Start Debt Support Can Help You

• ✅ 100% confidential service — no obligation
• ✅ We work with fewer clients so you get personalised support
• ✅ No call centres, no pressure, just people who care
• ✅ Friendly, UK-based team available online or by phone
• ✅ Free help with forms, budgeting, and creditor communication

We’ve supported people across the UK — from Stoke-on-Trent to Glasgow — with free, non-judgmental guidance. Whatever your debt situation, we’ll take the time to understand it and walk you through your next steps.

Want proof? See what real people have said about us.

Why Free Debt Help Is Often Better Than Paid Advice

Many companies in the UK offer “debt advice” — but some charge fees, upsell services, or push unsuitable plans. At Fresh Start, our free debt help UK service means you’ll:

• ✅ Never pay for support
• ✅ Never be rushed into a solution
• ✅ Get full transparency about risks and pros/cons

We believe everyone deserves access to honest debt help — no matter their income, credit score, or background.

Real People. Real Help. Real Progress.

We've helped people all over the UK take back control of their lives through free debt help. Whether it's freezing interest, stopping bailiffs, or combining all debts into one payment, our clients have seen real change.

Don't just take our word for it — see our real client testimonials here to understand how we've made a difference.

Free Debt Help UK – Frequently Asked Questions

Is debt help really free?

Yes. Our support is always free. We’ll help you explore options like an IVA, DMP, or DRO without charging a penny for our guidance.

Can I stop bailiffs with free debt help?

Absolutely. Legal debt solutions can stop bailiffs and court action. Read more about how to stop bailiffs here.

Do I need to have a job to get help?

No. There are solutions available for people on benefits or with no income, such as the Debt Relief Order (DRO).

Will this affect my credit score?

Some solutions will impact your credit report, but this is often better than allowing defaults or court action to damage it further. Getting help now usually protects your future.

Can I include all my debts?

Yes — most unsecured debts can be included, including credit card debt, loans, overdrafts, utility bills, and more.

Your Fresh Start Begins Today

If you're searching for free debt help in the UK, don’t wait until it gets worse. The sooner you take action, the more options you'll have — and the quicker you can reduce stress, stop collections, and move forward.

We’re here to help. No pressure, no cost — just real support from real people.