Fresh Start Debt Support
If you're searching for real ways to help write off debt, you're not alone. Millions of people in the UK are struggling with unaffordable loans, credit cards, utility bills, or council tax arrears. The good news? There are government-backed and informal options available that can legally help you reduce or even write off most of your debt.
At Fresh Start Debt Support, we specialise in helping people understand their options, from IVAs to DROs and Debt Management Plans. We’re here to help you figure out which option is best for your situation, and take action quickly — all without judgment, pressure, or upfront fees.
Get Free Debt HelpWriting off debt means you are legally released from the obligation to repay some or all of your outstanding balances. This can be done through formal insolvency solutions like an Individual Voluntary Arrangement (IVA) or a Debt Relief Order (DRO), or occasionally through informal negotiations with creditors.
Debt write-off is usually available to people who meet specific criteria, such as being unable to repay their debts in full within a reasonable time. The key is knowing which solution fits your situation best. We’ll explain everything in plain English and guide you step by step.
See If I Can Write Off DebtYes — many of the clients we help are on Universal Credit, Jobseeker’s Allowance, Personal Independence Payment (PIP), or other benefits. If your income is low and your debts are unmanageable, you could be eligible for a DRO or IVA that helps you write off debt after a fixed period.
We’ll assess your income, living costs, and assets to see if you qualify. You don’t need to be employed or own a home to access help. In fact, these solutions are designed to protect vulnerable people from long-term financial harm.
Check My Eligibility NowAn IVA is a legally binding agreement between you and your creditors. You make one affordable monthly payment based on what you can reasonably afford, usually for five years. After that, any remaining qualifying debt is written off — giving you a clean slate.
This solution works for people with over £6,000 in unsecured debt and a regular income. It can include credit cards, loans, energy bills, council tax arrears, and more. If approved, it also stops bailiffs and other legal action immediately.
Find Out If I Qualify for an IVAIf you owe less than £30,000, don’t own your home, and have little disposable income, a Debt Relief Order may be the simplest and fastest way to write off your debt. Once approved, you’re protected from creditors for 12 months — and if your situation hasn’t improved by then, your debt is written off completely.
This is a powerful legal option for people on benefits or low income. It covers most types of unsecured debt, including store cards, overdrafts, payday loans, and even some rent arrears. We’ll handle the paperwork and guide you through the application.
Apply for a DRO NowYes. If you’re currently receiving letters, visits, or threats from enforcement agents, entering a formal debt solution can legally stop bailiff action. For example, if you start an IVA or DRO, bailiffs must withdraw once it’s approved. Your debt will be frozen and may eventually be written off, depending on the solution.
We help clients across the UK stop bailiffs legally — often within 24–48 hours. Don’t wait for a knock at the door. The sooner you act, the more power you have to stop enforcement.
Stop Bailiffs and Write Off DebtMost unsecured debts can be included in a formal write-off solution. These include:
Debts like court fines, student loans, or child maintenance usually cannot be written off through these plans — but we can still help you manage them. Reach out and we’ll break it all down for you.
Find Out Which Debts I Can Write OffJane from Newcastle contacted us after struggling to repay credit cards, catalogue debts, and an unpaid energy bill. Her wages were being garnished, and she was constantly anxious about the future. We assessed her situation and found she qualified for an IVA.
Within 6 weeks, her creditors approved her plan. She now pays one affordable amount each month — and over £19,000 of her debt will be legally written off once her plan ends.
Her mental health has improved dramatically, and she no longer dreads opening the post. You could be next.
Get Help Like Jane DidEvery person’s situation is unique, but here are some general signs that you may qualify for a formal debt write-off solution:
If any of the above sound familiar, we can help. We'll carry out a free, no-obligation assessment and let you know what you're eligible for — including how much could be written off.
Check If I Qualify NowWriting off debt through an IVA, DRO, or similar solution does affect your credit score — usually for six years. However, for many people, that’s a small price to pay for finally becoming debt-free.
And here’s the truth: if you’re already in arrears, missing payments, or in default, your credit file is likely already affected. Writing off debt gives you a clean break and a chance to rebuild your credit over time with a fresh financial start.
We’ll explain the long-term impact — and help you understand how to recover your credit score after your debts are cleared.
Start Rebuilding My CreditYes. If you’re on a low income, receive Universal Credit, or other benefits, you may be eligible for a Debt Relief Order (DRO) — which can write off your debts after just 12 months with no monthly payments required.
To qualify, your debts usually need to be under £30,000 and your monthly disposable income less than £75. Our team will walk you through the full criteria and complete the paperwork for you.
There’s no shame in needing help — we support people just like you every day.
Find Out If I Qualify for a DROYes. Bankruptcy is just one option, and many people avoid it entirely by entering an IVA or DRO. These solutions allow you to write off debt without the long-term restrictions and stigma of bankruptcy.
We’ll explain each route in plain English — no legal jargon, no pressure. Our job is to help you understand your options and feel confident about the path forward.
Compare My OptionsAbsolutely. In the UK, formal debt write-off solutions are backed by legislation and regulated frameworks. IVAs, DROs, and other plans are legal, ethical methods to deal with unmanageable debt.
Every year, thousands of people across England, Wales, and Northern Ireland legally write off unaffordable debt through these government-approved solutions. If you're in Scotland, similar protections are available through the Trust Deed system.
Don’t fall for myths — you have legal rights, and we’re here to help you use them.
Start My Legal Debt Write-OffSome of the most common debts written off by our clients include:
If your repayments are getting harder to manage, we can review your full situation and help you write off balances you simply can’t afford to repay. We treat every case with confidentiality and compassion.
Check What I Can Write OffOnce your plan ends and the remaining debt is legally written off, you’re free from that financial burden. You no longer owe the money, and creditors can’t chase you. It’s a clean slate — a fresh financial start.
From there, we help you rebuild: setting a budget, improving your credit, and gaining financial confidence again. Many of our clients go on to rent, save, and even get mortgages in the future. It all starts with one step.
Take the First Step TodayIf you have joint debt — like a loan or overdraft in both your and your partner’s name — it’s possible to include your share in a debt write-off solution. However, the other party will still be liable for the full amount unless they enter a separate plan.
Joint loans, overdrafts, and utilities can all be handled with tailored plans. We’ll explain how liability works and what options are available if you want to resolve your side of the debt burden.
If both parties are struggling, we can help you explore options together or individually.
Get Help with Joint DebtIf you're currently in a payment plan — such as a Debt Management Plan (DMP) — but you're still struggling, you might benefit from switching to a formal solution that includes debt write-off.
Many people start with DMPs but later qualify for an IVA or DRO as circumstances change. These can freeze interest and result in partial or total debt write-off.
We’ll review your current setup and let you know if a better, more effective solution exists.
Review My Current PlanWorried that writing off your debts might affect others in your household? Good news — debt write-off solutions are personal. They only apply to your debts and don’t affect your partner, parents, or flatmates (unless the debt is joint).
Your application, information, and plan remain confidential. Nothing will be disclosed without your consent. We protect your privacy and ensure you feel safe every step of the way.
Get Private, Personal HelpIt depends on which solution you qualify for:
We help you find the fastest legal route based on your income, living situation, and type of debt. Some people are eligible for instant protection in under 48 hours — including a full freeze on creditor contact.
Find My Fastest PathDebt write-off isn’t for everyone — but if your debts are unmanageable, your income isn’t enough, and stress is affecting your wellbeing, it could be exactly what you need.
At Fresh Start Debt Support, we provide honest, practical guidance. We’ll explain your eligibility, the impact, and the long-term outcome. You’ll get real answers — not sales scripts — and we’ll never push you toward a plan that isn’t right.
Thousands of people across the UK have taken this step with our help. You could be next.
Check If I’m EligibleEssential living debts like council tax, gas and electric bills, and rent arrears can feel overwhelming. But they can also be included in formal debt write-off plans like IVAs and DROs.
These debts can escalate quickly — often leading to enforcement and bailiffs. By acting early, you can stop further action and protect your home and family from stress.
If you're already under pressure, reach out today. The earlier we help, the better the outcome.
Write Off My Priority DebtsAll formal debt write-off solutions — including IVAs and DROs — do impact your credit score, typically for 6 years. However, if you're already missing payments, in arrears, or receiving default notices, your credit file is likely already affected.
The key is this: writing off debt gives you a clean break. From there, you can rebuild — and we’ll support you in that. Some of our clients go on to get mobile phone contracts, mortgages, and even car finance after completing their plans.
Your credit score can be repaired — your wellbeing matters more right now.
Start My Clean SlateIf you’ve had a visit or letter from a bailiff, don't panic. We can often stop further action by helping you enter a protected debt solution that freezes enforcement and writes off unaffordable debt.
Bailiffs must follow strict rules and can't force entry in most cases. But time is crucial. The sooner you act, the sooner we can get legal protection in place to stop them.
Don’t wait for another visit — one call to us could stop it all.
Stop Bailiffs & Write Off DebtWe’ve helped thousands across the UK get peace of mind and a brighter financial future. Read our testimonials and take the first step toward your own fresh start today.
Get Help from Fresh StartDebt can feel isolating — but it’s more common than you think. Whether you’re facing bailiffs, juggling multiple repayments, or just feeling overwhelmed, you’re not alone.
We help everyday people just like you every day — and we’ll treat you with kindness, confidentiality, and clarity. No judgment. No pressure. Just help that works.
This is your moment to reset and rebuild. Let's help you write off what’s holding you back — and move forward.
Help Me Write Off Debt Now