Fresh Start Debt Support
If you’ve had a letter, text, call or a doorstep card from Resolvecall (often searched as Resolve Call), take a breath. You have options, you have rights, and you don’t have to handle it alone. At Fresh Start Debt Support we help people every day to respond calmly, check what’s really owed, and move everything into one affordable plan where suitable.
On this page you’ll find a step-by-step approach for dealing with Resolvecall, how to reduce contact pressure using Breathing Space, and how to fold the debt into a manageable route such as a Debt Management Plan (DMP), an IVA or a DRO if eligible. We also signpost to practical guides like Stop Debt Collectors and What is debt collection?.
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Keep copies of letters, screenshots of texts, and note any reference numbers. This helps us quickly confirm the account and who’s asking for payment. If you’re unsure which debts are outstanding, we can guide a free credit check to help identify them.
Before paying a collector, make sure your household is safe. Stabilise council tax, utilities, and housing costs like rent or mortgage. Our process always puts essentials first.
You can tell Resolvecall you’re seeking help and gathering information. If we’re supporting you, we’ll provide a reference number you can quote. Where appropriate, we help you use Breathing Space to pause most enforcement while your plan is set up.
Based on your budget and goals, we’ll discuss options like a DMP, IVA or DRO. The aim is one affordable payment (where suitable) and far less pressure from calls and letters.
Tell Me the Best Route for MeResolvecall are a UK debt collection company. They typically contact people on behalf of a bank, credit card, catalogue, utility provider, public body, or another firm that believes money is owed. Sometimes they work after a debt has been sold to a different owner; other times they act as an agent.
Debt collectors are allowed to contact you to request payment—but they must follow rules and treat you fairly. You don’t have to tolerate harassment or misleading information. If something feels off, we’ll help you sanity-check letters and next steps via our collector guides.
Check My Letter or Text with a SpecialistCollectors often increase contact over time. Understanding the signal helps you respond calmly and correctly.
These usually claim a balance and ask for payment or contact. Save them and note reference numbers. If you’re unsure about the debt, you can request information and time to review. We can guide you on wording and next steps in our debt collection overview.
Calls and texts are common. You can tell the caller you’re seeking help, confirm only basic details, and avoid agreeing to unaffordable payments on the spot. We’ll help you set a fair, realistic budget first using our Debt Calculator.
Resolvecall agents may visit to ask you to get in touch. A doorstep agent is not a bailiff and cannot force entry. If you’re worried about visits, read Stop Debt Collectors and consider Breathing Space while we set up a plan.
When stress is high, it’s easy to agree to something you can’t keep. Where possible, keep a written trail and get support before making commitments.
Get Calmer Contact & a Realistic PlanYou have the right to be treated fairly and not to be pressured into unaffordable payments. If your finances are tight, an affordable offer based on a proper budget is the right next step—not a guess made under stress.
Where appropriate, you can use Breathing Space—a legal pause on most enforcement and interest—to give you time to get things in order. We’ll explain when it may be suitable and how it interacts with solutions like a DMP, IVA or DRO.
When we’re helping you, you’ll have a reference number to share with creditors and collectors, including Resolvecall. This reduces the need to repeat your situation to every caller and helps channel everything into the plan.
We make sure your roof, heating and essentials are protected before offering anything to non-priority debts. See Council Tax, Utilities, Rent arrears and Mortgage arrears.
Ask About Breathing SpaceIt happens. You may have moved, changed banks, or an account was sold without your knowledge.
If the debt seems unfamiliar, we’ll help you request information and, if needed, guide a free credit check to spot missing accounts. See What is debt collection? for how debts are sold or assigned.
If there’s an error (wrong person, wrong amount, paid already), we’ll help you respond appropriately. Don’t agree to payments until the facts are clear.
Check If This Debt Is Really MineMost people contacting us aren’t dealing with just one balance. The good news: we can usually bring multiple debts under one roof, creating a single manageable payment where suitable.
An informal plan with one affordable monthly payment. Many creditors reduce or freeze interest and charges, though it’s not guaranteed. Flexible if your income varies.
A formal, legally binding arrangement. You pay what’s affordable for a set term; any remaining eligible unsecured debt may be written off on successful completion. Provides strong protection from most creditor action.
For low income/low assets and qualifying debt levels. Debts are usually frozen for 12 months then written off if your situation doesn’t improve. Strict eligibility applies.
See Compare Solutions for a side-by-side view, then ask us for a tailored recommendation based on your numbers and goals.
Get My Personalised PlanLetters, texts, voicemail notes—keep it all. This helps confirm who owns the debt and what’s being requested.
Sort council tax, energy and housing first. Paying a collector before fixing essentials can make things worse.
Use our Debt Calculator to map income and realistic living costs. We’ll sense-check it and ensure it’s sustainable.
Where appropriate, Breathing Space can ease pressure while your plan is set up.
Let Resolvecall know you’re seeking help. Share our reference number once you’re on board, so they can route contact appropriately.
Review DMP, IVA and DRO with a specialist. We’ll explain pros and cons clearly.
If you have other collectors—like Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Hoist, or PRA Group—we’ll help roll them into your plan too where suitable.
Follow the Action Plan with a SpecialistNot all collection leads to court. If you do receive a formal pre-action letter or claim, respond properly and on time. We’ll triage urgency, help you understand the paperwork, and prioritise a route that protects your household while you address the claim.
Dates matter. Save envelopes, screenshots and email headers. A clear timeline helps us advise the right next step.
Don’t ignore court forms, and don’t agree to unaffordable payments out of fear. Build a budget and make a realistic proposal through the appropriate solution.
I’ve Had a Legal Letter — Help MeTwo people with the same income can have very different essentials: commute costs, childcare, health, rent, energy usage and more. We build a budget that reflects your life, not a one-size number on paper.
Protect housing, energy and council tax to avoid escalation and emergency costs later. Then offer fair, sustainable payments to non-priority debts via a DMP or a formal route like an IVA or DRO.
Life happens. DMPs are typically more flexible for adjustments; IVAs include a formal variation process. We’ll help you navigate changes.
Get a head-start with the Debt Calculator before you speak to us. It’s a great way to sense-check what’s realistic.
Build a Budget I Can KeepCollectors don’t automatically take people to court. If court is considered, you’ll usually receive formal pre-action paperwork first. Don’t ignore it—respond properly and on time. We’ll help you understand options and focus on an affordable, defensible plan.
No. A debt collector is not a bailiff and cannot force entry. If someone visits, you don’t have to let them in. You can ask them to leave and communicate in writing. See Stop Debt Collectors.
It’s your choice. If you do answer, you can confirm you’re seeking help and avoid agreeing to payments before your budget is set. We can provide a reference number once we’re involved to reduce repeated conversations.
Tell them you dispute the account and request information. We’ll help you check via a free credit check and draft a suitable response. Don’t make payments until the debt is verified.
Yes, if the debt qualifies. In a DMP, you’ll usually make one affordable payment distributed across creditors. In an IVA, the arrangement is legally binding and offers strong protection from most creditor action once approved.
Debt solutions can affect your credit. Many people prioritise stabilising the household and reducing pressure. We’ll explain trade-offs clearly so you can decide what’s right for you.
Some formal routes allow for write-off—e.g., remaining eligible unsecured debts can be written off at the successful completion of an IVA; eligible DRO debts may be written off after the moratorium if circumstances don’t improve. We’ll confirm eligibility and implications first.
We’ll help bring multiple debts under one plan where suitable. See our guides for Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Hoist and PRA Group.
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Ask a Debt SpecialistOur aim is simple: protect essentials, cut stress, and move you to one affordable plan where suitable—so letters and calls stop dominating your week.
Start My Free Debt CheckWhen you’re ready, we’re ready—on your terms and timeline.
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