Fresh Start Debt Support
If you're overwhelmed by credit cards, loans, utility bills, or council tax arrears, you're not alone. Millions of people in the UK are silently struggling with too much debt. But here’s the truth: help is available — and it’s free, confidential, and closer than you think.
At Fresh Start Debt Support, we help people from all walks of life stop creditor pressure, freeze interest, and regain peace of mind. Whether you’re facing bailiff visits, threats of legal action, or just can’t keep up with payments, we’ll guide you to the right solution — fast and without judgment.
You may even qualify to write off some or all of your debt through an IVA or DRO. The sooner you take action, the more options you’ll have.
Start My Free Debt CheckDebt is part of modern life — from car finance and credit cards to personal loans and overdrafts. But there comes a point where debt shifts from manageable to unmanageable. So, how do you know when you have too much debt?
Here are some signs your debt may be too high:
If these apply to you, it’s time to seek help. The good news? You don’t have to face this alone — and there are legal ways to stop the pressure and get a fresh start.
Check If I Can Get HelpIf you're struggling with too much debt and do nothing, things usually get worse — not better. Here's what can happen if you delay taking action:
But here’s the truth: once you take the first step, it gets easier. Many of our clients say their biggest regret was not acting sooner.
Whether you qualify for an IVA, DRO, or Debt Management Plan, we’ll help you find out quickly — and take action safely.
Freeze My Debt NowWhen people search for help with too much debt, they often ask: “Can I write any of this off?” The answer depends on your situation — but many UK residents are surprised by what can legally be included in a debt solution.
These are some of the most common debts that can be written off through formal solutions like an IVA or DRO:
These debts may be eligible for full or partial write-off depending on your income, assets, and other factors.
If you’re facing too much debt to manage alone, we’ll walk you through every option in plain English — and never pressure you into anything.
Find Out What Can Be Written OffThere’s no “one size fits all” when it comes to solving too much debt. That’s why we explain every solution clearly — so you know exactly what’s available and what fits your life best.
If you owe over £6,000 to multiple creditors, an IVA could allow you to make one affordable monthly payment and write off unaffordable debt after 5–6 years. Bailiffs and creditor action are frozen as soon as the IVA is approved.
If you’re on a low income, have little or no assets, and less than £30,000 of debt, a DRO could freeze all repayments for 12 months. If your situation doesn’t change, the debt is then written off completely.
This flexible, informal solution helps you repay your debts over time. It’s ideal if you don’t qualify for a formal plan, and interest can often be frozen. There’s no fixed term, and you can adjust payments as needed.
There are other routes like bankruptcy or Scottish Trust Deeds. Use our debt solution comparison guide to explore them in detail.
Compare My OptionsDebt can feel isolating. But you’re not alone — and real people across the UK have been where you are now. Here are just a few examples of those who’ve turned things around with our support:
Emily from Manchester had over £18,000 in credit card debt and loans after losing her job. She said, “I was getting 5–6 calls a day from creditors. I genuinely thought there was no way out.” After contacting Fresh Start, she qualified for an IVA. Her repayments dropped to just £95 a month, and she’s now 3 years into her journey to becoming debt-free.
Martin in Liverpool had multiple payday loans and rent arrears. He felt he had too much debt to deal with. We helped him into a Debt Relief Order, and 12 months later, all of his debt was legally written off.
Claire from Stoke-on-Trent said: “I felt embarrassed asking for help, but now I wish I’d done it sooner. I sleep better, I’m not scared of the postman anymore, and I feel in control again.”
These aren’t just stories — they’re proof that it’s never too late to turn things around.
Tell Us Your StoryWe often talk about the financial side of debt — but the emotional toll of living with too much debt can be just as serious. Many people we help report:
It’s important to know that you don’t have to feel this way forever. Getting help isn’t just about reducing your payments — it’s about getting your life back.
We’ve seen first-hand how powerful a plan can be: stress levels drop, confidence returns, and people start smiling again. That’s why we do what we do.
Take the First StepThe first step is to stop panicking — then speak to a specialist. We’ll review your situation and explore affordable, legal ways to reduce or even write off your debt. You may qualify for a solution that stops interest, halts creditor contact, and gives you room to breathe.
Yes — through debt solutions like an IVA or a Debt Relief Order. These are government-approved options that can write off debt you can’t afford to repay.
Yes — most debt solutions impact your credit file. But this is usually less damaging than missed payments, defaults, CCJs, or bailiff action. And your credit can recover over time.
Yes — especially for council tax, parking fines, or court debts. But if you contact us in time, we can often stop enforcement through a debt solution. Learn more about your rights here.
Yes. We provide free debt help with no pressure or cost. We’ll walk you through your options and help you take action if you choose to.
Check If I Qualify NowHaving too much debt doesn’t mean you’ve failed — it means the system failed to support you. But that doesn’t mean you’re stuck. You can take control again.
With the right support, you can stop creditor calls, protect your home, lower your payments, and even write off what you can’t afford. And we’re here to guide you every step of the way.
This is your moment to change things. Don’t wait for another missed payment or sleepless night. Take that first, powerful step towards freedom from debt — today.
Get My Free Debt Check