Struggling With Loan Debt in 2025?

Thousands across the UK are searching Google daily for terms like "loan debt help", "reduce loan repayments", and "breathing space scheme". If you're one of them, you're not alone — and there are real solutions available. Whether you’ve taken out a personal loan, payday loan, or high-interest loan, we can help you take control.

At Fresh Start Debt Support, we specialise in helping people with unsecured loans reduce their monthly repayments, freeze interest, and stop collection calls — often within 24 hours. Find out if you qualify for help through a Debt Management Plan (DMP), IVA, or the government’s Breathing Space scheme.

Types of Loan Debt We Help With

• Personal loans from banks or online lenders
• Payday loans and short-term credit
• Guarantor loans and logbook loans
• Doorstep loans and buy-now-pay-later agreements
• Overdrafts used as ongoing credit

No matter how the loan started, if the repayments have become unmanageable, we can help you explore safe, legal ways to reduce or even stop payments — without resorting to bankruptcy.

How the Breathing Space Scheme Can Help

The Breathing Space debt respite scheme gives you up to 60 days of legal protection from creditors while you get debt advice. During this time, collection activity must pause — including interest and court action. This is often the first step before entering a more permanent solution like a DMP or DRO.

If you’ve recently Googled “breathing space for loan debt”, you're already on the right track. We can help refer you into the scheme and ensure your loan providers respect the pause.

Loan Debt Solutions That Work

There’s no one-size-fits-all answer. That’s why we look at your full situation and guide you toward the right solution:

• Debt Management Plan (DMP) – One affordable monthly payment covering all your unsecured debts
• IVA – Write off a portion of debt if you qualify
• DRO – For people on low income with under £30,000 of debt
• Full & Final Settlements – Pay a reduced amount in lump sum where possible

Search trends for "DMP for loan debt" and "stop interest on personal loan" are rising — and for good reason. These options work. Let us explain how they could apply to your loan situation.

Can I Be Taken to Court for Loan Debt?

Yes — if left unpaid, loan companies may take legal action through a County Court Judgment (CCJ). In severe cases, this can lead to bailiff action. But entering into a solution early, like a DMP or IVA, can help stop legal action before it begins.

One of the most Googled concerns in 2025 is "how to stop bailiffs for loan debt". If this is your situation, speak to us urgently. We may be able to block bailiff visits within 24 hours through emergency support.

Start Your Fresh Start Today

Don’t let payday loans or high-interest debt spiral out of control. With searches for "loan debt help 2025" and "reduce monthly repayments UK" trending upwards, more people are choosing safe solutions over stress. We’re here to help you do the same.

Take your first step now — no pressure, no judgment, just support.