Fresh Start Debt Support
If you’ve received letters, calls, or home visits from debt collectors, you are not alone — but you do have options. Many people across the UK feel threatened or overwhelmed by constant collection pressure. The good news? You may be able to legally stop debt collectors from contacting you or visiting your home by taking the right action early.
Yes. If you enter into a formal debt solution — like an Individual Voluntary Arrangement (IVA) or a Debt Management Plan (DMP) — debt collectors and enforcement agents must stop contacting you directly. You gain breathing space and protection under UK insolvency or debt management rules.
Here are some of the most active debt collection agencies and enforcement firms in the UK:
If you're dealing with any of these companies, don’t wait. We may be able to help you stop contact from them and lower your debt repayments.
Only certified enforcement agents (bailiffs) can legally visit your home — usually after a court order like a County Court Judgment (CCJ) or liability order. But if you act early, we can help you set up a plan that may stop enforcement before it begins.
Even if bailiffs have contacted you, they must follow strict rules. You don’t have to let them in, and in many cases their visit can be paused through legal arrangements like an IVA or Debt Relief Order (DRO).
Depending on your circumstances, you may qualify for one of the following:
Ignoring collection efforts won’t make the debt go away — it could make things worse. Ignored debts can escalate to:
Taking action early protects your income and peace of mind. We can help reduce or pause your repayments through formal options.
Unlike some larger firms, we keep our caseload small so we can give you personal attention and faster service. We're not FCA-regulated advisers, but we can connect you with specialists and explain options clearly — without judgment or pressure.