Fresh Start Debt Support
Googled “what is moraty law” (or the correct spelling Moriarty Law) after a letter, text or claim form landed? You’re not alone. This page explains who Moriarty Law are, why they’re contacting you, what they can and can’t do, and exactly how to calm the situation fast with an affordable, sustainable plan.
At Fresh Start Debt Support we help you protect priority bills first—housing, energy and council tax—and then build one fair payment for your non-priority debts. Where suitable, we’ll help you use Breathing Space to pause most enforcement while we prepare routes like a Debt Management Plan (DMP), an IVA or a DRO.
Start My Free Moriarty Law Debt CheckFor a quick primer on the industry, see What is debt collection? and our calm step-by-step guide Stop Debt Collectors. If you want to compare options side-by-side, visit Compare Solutions.
Moriarty Law is a solicitor firm that works on consumer debt matters. They act for creditors or debt purchasers (for example, accounts originally with card providers, catalogues, mobile networks or personal loan firms). If they’ve written to you, they’re likely handling pre-legal or legal recovery on an account in arrears.
Lots of people type “moraty law” when they mean Moriarty Law. Same company—just a common misspelling. The advice on this page applies to the debt-collection context either way.
They’ll be seeking either an affordable arrangement, a settlement, or—if things have gone quiet—may progress toward a County Court claim (England & Wales). That doesn’t mean bailiffs tomorrow; court is a process with timelines, options and ways to agree realistic payments.
You keep control of your budget and your next step. Panic-promises create more problems. A clear plan that protects essentials first is more likely to be accepted and stick over time.
Check If I Can Put This into One Affordable PlanIn England & Wales, many consumer claims follow the Pre-Action Protocol. A Letter Before Claim (LBC) gives you information about the alleged debt, response forms and a timeframe (usually 30 days) to reply. Use that time: gather details, complete income/expenditure, and consider your route. If you need headspace to do this safely, see Breathing Space.
If no arrangement is reached, you may receive a claim form (from the County Court Business Centre). Don’t ignore it. Respond by the deadline. Courts often accept affordable monthly payments once your income and essential spending are shown clearly.
If a CCJ is granted, it doesn’t automatically mean bailiffs or huge monthly sums. Payment levels are typically set against your real-world budget. If enforcement is later considered, understand your position first—see Bailiffs’ Rights—and ask us about stabilising options.
Letters and claims have deadlines. Meeting them keeps your options open. If a deadline is looming, get in touch—we’ll help you triage quickly and safely.
I’ve Had a Letter/Claim — Help Me RespondYou can request communication in writing, ask for clarity about balances/interest/fees, and set reasonable contact expectations. If calls feel overwhelming, follow the steps in Stop Debt Collectors to lower pressure.
Request paperwork that helps you understand the claim: who the creditor is (or purchaser), the balance, dates, and statements. Clear records make clear decisions—and prevent guesswork.
When you have multiple creditors, offer consistent pro-rata payments based on what’s genuinely available after essentials. Consistency helps acceptance and keeps things fair. Use our Debt Calculator to map your budget first.
Protect your roof, heat, light and council tax before any non-priority debt. This is the foundation of a plan that actually lasts.
Get Free Help Building My BudgetIf your account defaulted with the original creditor, that default usually remains for six years from the default date. A sale to a new owner (debt purchaser) doesn’t normally reset that clock. It’s serious, but not forever—and it shouldn’t stop you fixing things now.
Entering an arrangement helps stabilise your position. A CCJ, if granted, appears on your file for a set period—but even then, affordable monthly payments are often achievable. Rebuild credit after you’ve stabilised the household; chasing a score while the roof is on fire rarely works.
Protect essentials, secure an affordable plan, and then rebuild. That order matters. We’ll explain the trade-offs so you can choose the right route with confidence.
See My Options Without Risking EssentialsMost people either: (1) agree affordable monthly payments within a wider plan, or (2) negotiate a lump-sum settlement if help from family is available. Either way, get terms in writing and keep copies.
If you have multiple debts, structure the entire set of balances together so one creditor isn’t unfairly favoured. It keeps your plan defensible and increases acceptance overall.
Make sure settlement letters are clear on any remaining liability and how reporting will work. We can help you draft and check letters before you agree.
Ask About Settlements or Affordable OffersThe sequence matters. Sort priority costs before you make any offer to Moriarty Law or other non-priority creditors:
Then we divide what’s left fairly across cards, catalogues, overdrafts, loans, and balances chased by legal firms like Moriarty Law.
Protect My Essentials FirstInformal & flexible. Many creditors freeze or reduce interest/charges (not guaranteed). Great if income is steady and you want adaptability without formal insolvency.
Formal & binding. One affordable monthly payment for a set term; any remaining eligible unsecured debt may be written off on completion. Typically strong protection from most creditor action.
For low income/low assets. Debts are usually frozen for 12 months and written off if your situation doesn’t improve. Strict eligibility, but powerful where it fits.
Not sure which route is right? Start with Compare Solutions then ask us for a tailored recommendation based on your numbers and goals.
Get My Personalised RecommendationMost people we help have several balances. Consolidating them into a single affordable plan makes life calmer and clearer.
Fewer moving parts, fewer surprises—and a straighter path to becoming debt-free.
Roll My Debts into One PaymentIf you’re feeling swamped by letters or calls, we can help you use Breathing Space (where appropriate) to pause most enforcement while we organise your plan. You’ll also have a reference number to give to creditors during setup so you’re not handling every contact alone.
We start with core living costs, then set a fair contribution to debts. Try our Debt Calculator to explore what’s realistic before you speak to us. The goal is breathing room—not a month-one wobble.
Clear priorities, calmer contact, and a sustainable plan that works in the real world—even with a legal firm like Moriarty Law in the picture.
Build My Budget with a SpecialistYes—Moriarty Law is a UK solicitor firm working in debt recovery. Being contacted doesn’t make you a bad person or remove your rights. It means a creditor is seeking repayment via a legal specialist.
Because the lender may have instructed them to recover the balance or the account may have been sold to a debt purchaser that uses Moriarty Law. You can ask for clarity in writing.
It’s a formal pre-court letter with information and reply forms. Don’t ignore it. Use the time to complete an affordability budget and seek advice. Consider Breathing Space if you need a pause to prepare safely.
They can issue a claim where appropriate. Even if a CCJ is granted, affordable monthly payments are often set based on your budget. Deadlines matter—respond in time.
Bailiffs (enforcement agents) are not automatic. There are stages and rights. Read Bailiffs’ Rights to understand what they can and can’t do, and how to keep control.
Potentially yes, especially if you can access a lump sum. But if you have multiple debts, we’ll structure the whole picture first so offers are fair and acceptable to all creditors.
Debt solutions can affect your credit file, but stabilising your household comes first. We’ll explain trade-offs of DMP, IVA and DRO so you can choose confidently.
We regularly help sole traders and directors. See Business Debt—we’ll account for fluctuating income, necessary expenses and seasonality.
Yes. See guides for Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Drydensfairfax and PRA Group.
Ask us directly and get a personalised answer in minutes—no judgement, just practical help.
Ask a Debt SpecialistThe target: protected essentials, calmer contact, and a plan you can sleep on—even with a solicitor firm like Moriarty Law involved.
Start My Free Moriarty Law Debt CheckIf the search term “what is moraty law” or “what is Moriarty Law” brought you here, take a breath—you’ve now got a clear path to follow and free support when you want it.
Speak to a Specialist