Struggling with Debt? Get a Fresh Start Today

If you’re overwhelmed by debt, missed payments, or calls from creditors, you’re not alone — and there are real solutions. At Fresh Start Debt Support, we help individuals across the UK take control with personalised, affordable debt help tailored to your situation.

From formal solutions like IVAs to flexible Debt Management Plans, we provide honest support without pressure or judgment. Our team is small and focused, meaning you get personal attention — not a call centre.

We help with all types of debt including credit cards, loans, council tax, and utility arrears. If you need to stop debt collectors or bailiffs, we can help.

How We Help You Take Control

✅ Freeze interest and charges on your debts
✅ Stop contact from creditors and bailiffs
✅ Set up one affordable monthly payment
✅ Write off unaffordable debt (subject to eligibility)
✅ Access confidential, judgment-free support

Our goal is to make debt support simple and accessible. We explain everything clearly, avoid jargon, and work with you at your pace. Whether you're dealing with payday loans, overdrafts, or gambling debts, we’re here to help.

Explore Your Debt Options

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement that allows you to repay debts with one reduced monthly payment — and write off unaffordable balances after 5–6 years. It protects you from creditor action and bailiffs.

Debt Management Plan (DMP)

A flexible, informal solution based on what you can afford. A DMP lets you repay debts over time, often with interest frozen. It’s ideal for those with regular income but no lump sum.

Debt Relief Order (DRO)

If you’re on a low income with minimal assets, a DRO offers legal protection and debt write-off after 12 months. Ideal for those unable to afford other solutions.

Bankruptcy & Trust Deeds

Bankruptcy might be a last resort, but it's sometimes the right choice. Scottish residents may consider a Trust Deed. Learn more by visiting our comparison page.

Why People Choose Fresh Start Debt Support

✅ UK-based, fast and supportive service
✅ We work with fewer clients to provide personal attention
✅ Friendly, non-judgmental specialists
✅ Clear information — no pressure or hidden fees
✅ Support for everything from council tax arrears to credit card debt

Unlike larger companies, we treat you like a person — not a number. Whether you’re struggling with utility bills, rent arrears, or personal loans, we’ll help you move forward with confidence.

Real Results from Real People

"I was drowning in debt and didn’t know what to do. Fresh Start made everything simple and gave me hope again." – Claire, Manchester

"I wish I’d reached out sooner. I’m now on a plan and my stress has dropped overnight." – John, Birmingham

We’ve helped people all over the UK — from Stoke-on-Trent to London — take back control of their finances and start a new chapter. See more success stories here.

Frequently Asked Questions

How quickly can I get help?

We aim to respond within 24 hours. Once your details are reviewed, we can begin the process immediately and help freeze interest or creditor contact quickly.

Do you offer free debt advice?

We’re not regulated financial advisers and don’t provide advice. Instead, we offer free guidance and help you explore options like an IVA, DMP, or DRO.

Will my credit score be affected?

Most debt solutions can impact your credit file. However, getting help sooner often prevents further damage from defaults or legal action.

Am I eligible if I’m on benefits or low income?

Yes. There are solutions designed for people on a low income, like a Debt Relief Order. We’ll help you check your eligibility.

Do I have to speak to my creditors?

No. Once a solution is in place, communication with your creditors can be handled by the provider. You won’t need to face them alone.