Fresh Start Debt Support
Received a letter from Moriarty Law? You’re not alone. Thousands across the UK are chased each year for unpaid debts passed from utility providers, catalogues, or mobile phone contracts. Often, these come as a shock — with threats of court claims, CCJs (County Court Judgments), and bailiff action.
At Fresh Start Debt Support, we help people stop debt collectors like Moriarty Law from taking further action. With the right debt solution in place — like a Debt Management Plan (DMP), IVA, or DRO — you may be able to freeze interest, stop court claims, and regain control of your finances.
Get Help with Moriarty Law NowMoriarty Law is a legal debt recovery firm that often works alongside Lowell Portfolio I Ltd and other debt buyers. They specialise in initiating legal proceedings to recover old or unpaid debts. If you've received a letter or claim form from them, it typically means your debt has escalated beyond basic collection tactics — and they’re preparing for court action.
Debts handled by Moriarty Law often include:
If left unresolved, this can lead to a County Court Judgment (CCJ) or bailiff enforcement — but there are ways to stop this before it happens.
Check If I Can Stop Court ActionIf Moriarty Law has sent you a Letter Before Claim or a court form, it means they’re trying to obtain a CCJ against you. This can seriously damage your credit file and may lead to further enforcement action such as:
But don’t panic — help is available. If you respond quickly and speak to a specialist, you can explore options to halt legal action and settle the debt in an affordable way. Ignoring a claim could result in a CCJ being issued by default, which will appear on your credit file for six years.
In most cases, we can stop the court process before it goes any further by helping you set up a recognised debt solution.
See If I Can Stop the ClaimMany people feel helpless when faced with legal threats from debt collection firms. But you are not powerless. With the right advice and protection, you can avoid bailiffs, stop interest, and protect your possessions and income.
Some of the most effective ways to stop debt collectors and bailiffs include:
Our team will assess your income, expenses, and creditor list to determine which solution best fits your circumstances. Most people are surprised at how much protection they can get in just 24–48 hours of contacting us.
Protect Myself from BailiffsYou don’t need to deal with Moriarty Law alone. At Fresh Start Debt Support, we specialise in helping people resolve their debts through formal and informal arrangements. Here’s a quick guide to the options that may help:
A DMP is an informal agreement where you make one monthly payment to cover all your debts, including any with Moriarty Law. Interest and charges can often be frozen, making the debt easier to manage.
If you owe more than £6,000 across multiple creditors, an IVA might allow you to write off up to 85% of your debt. All legal action is frozen, and once the plan completes (usually after 5 years), remaining debt is cleared.
If you're on a low income, have few assets, and less than £30,000 of debt, you may qualify for a DRO. This solution includes debts with firms like Moriarty Law and wipes the slate clean after 12 months.
This gives you 60 days to pause enforcement and collections while you seek a longer-term solution. It’s a great way to stop pressure and protect your mental health.
Compare All My OptionsYes — if you’ve ignored previous communication or made no arrangements to repay your debt, Moriarty Law can begin court proceedings. Their goal is usually to secure a County Court Judgment (CCJ), which gives them the legal power to enforce repayment through further action like:
If you respond in time, you can defend the claim or offer a fair repayment plan. If you qualify for help such as an IVA, DMP, or DRO, court action may be avoided entirely.
Acting quickly can make all the difference.
Stop Legal Action NowIf a CCJ has already been issued against you, there are still ways to manage the situation. While a CCJ stays on your credit file for 6 years, you can still protect yourself from further enforcement by setting up an affordable payment or applying for a debt solution that includes the CCJ.
Depending on your circumstances, you may still qualify for an:
The earlier you act, the more options you’ll have. If enforcement agents haven’t been involved yet, we may be able to stop that from happening.
See If I Can Still Get HelpThey can — but only after a court has granted a CCJ and further enforcement has been approved. Moriarty Law themselves are not bailiffs, but they can apply for a warrant of control, allowing certified bailiffs to visit your home to collect goods or demand payment.
Bailiff action is serious and stressful. If you’re concerned, know that you still have time to stop them. Options like the Breathing Space scheme or an IVA can halt bailiff action before it starts.
Our team has helped hundreds of people stop bailiffs with fast-track solutions and emergency action.
Stop Bailiffs from ComingYes — if you meet the criteria for certain government-approved debt solutions, you may be able to write off part or all of your debt to Moriarty Law. Many people are shocked to discover how much of their debt can be reduced or eliminated when they get the right help.
Common write-off routes include:
We never pressure you into a decision. Our goal is to assess your circumstances and explain your options clearly and confidentially.
Find Out If I Can Write Off My DebtIf you simply can’t afford to repay the full amount being demanded — whether due to job loss, illness, or rising living costs — you’re not alone. Many people feel overwhelmed and don’t know where to turn.
We help you regain control by:
We’ve helped people with £300 in debt — and others with over £30,000. No case is too small or too large. The first step is speaking with someone who understands and can act fast on your behalf.
Get Free Confidential HelpHere are just a few examples of how we’ve helped clients deal with aggressive debt collectors like Moriarty Law:
Sarah, Manchester: “I was terrified after receiving a letter from Moriarty Law threatening court. Fresh Start stopped the claim with a Breathing Space and got me onto a DMP within a week. They saved me from bailiffs.”
James, Birmingham: “I ignored the letters and ended up with a CCJ. I thought it was game over, but they helped me get a DRO and everything was wiped after 12 months. Best decision I ever made.”
Ali, Glasgow: “They were chasing me for an old mobile bill from years ago. Fresh Start got it included in an IVA and now I’m finally moving forward debt-free.”
Every situation is different, but the first step is always the same: get in touch.
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