Fresh Start Debt Support
Stop creditor contact and check if you can write off unaffordable debt with an IVA, DRO or DMP.
✅ Get Started FreeQuick answer: If you’re borrowing to cover other repayments, only making minimums, behind on utilities or council tax, or avoiding calls from debt collectors or bailiffs, you likely have too much debt. We’ll check if you can write off unaffordable balances, freeze interest, and reduce payments — free and confidential.
Start My Free Debt CheckDebt becomes “too much” when repayments no longer fit your budget, interest keeps growing, or money worries affect your health and relationships. Look for these signals:
If any apply, act early — the sooner you start, the more options you’ll have to freeze interest and stop enforcement.
Check If I Can Get HelpTick any that sound like you:
One or more ticks suggests your debt is already unmanageable — but there are legal routes to get relief.
Self-Check My OptionsDelaying action usually leads to higher balances and formal action:
Most of this can be prevented or reversed once you enter the right solution.
Freeze Interest & Stop ActionDepending on eligibility, these debts can be included in an IVA or DRO, and usually managed within a DMP too:
Not usually written off: child maintenance, some court fines and most student loans — but we’ll explain how to manage them safely alongside your plan.
See What I Can IncludeThere’s no one-size-fits-all. Here’s a quick comparison of the main UK options:
We’ll match you to the route that fits your budget and goals — and explain every trade-off in plain English.
Compare My OptionsIf you’re unsure which path fits, we’ll talk it through with you — free and without pressure.
Start the Step-by-Step NowIf your debts feel overwhelming and you need time to get advice, you may qualify for the government’s Breathing Space scheme. It gives you:
This is often the first safe step when you have too much debt and need urgent relief while you decide your long-term plan.
See If I Qualify for Breathing SpaceLetters and visits are frightening — but you have rights. Here’s what to know:
Read our full guides and use them at the door:
Stop Bailiff PressureDebt isn’t just numbers — it’s how you feel each day. Many people report:
Getting help is not just about lower payments — it’s about getting your life back. Most clients tell us their only regret is not acting sooner.
Take the First StepEmily, Manchester: £18,000 across cards and loans. Approved for an IVA — now pays £95/month, interest frozen, no more calls.
Martin, Liverpool: Multiple payday loans and arrears. Qualified for a DRO — debts written off after 12 months when circumstances didn’t change.
Claire, Stoke-on-Trent: “I can finally open my post without fear. I wish I’d asked for help sooner.” See more on our testimonials page.
Get Help Like They DidFor added reassurance, here are trusted UK government resources about dealing with problem debt:
We recommend reviewing these in addition to our free debt support, so you know all your rights and protections.
There’s no single number. It’s “too much” when repayments are unaffordable for your budget, interest keeps growing, or you’re missing priority bills. Our free check shows what’s workable.
With formal solutions like an IVA or DRO, interest and enforcement are typically halted once approved. Many creditors will also freeze interest in a DMP.
Most solutions protect essential assets, though high equity or high-value vehicles can affect eligibility. We’ll explain your options and safeguards upfront.
Prioritise them and speak to us urgently. We’ll help you stop enforcement and build a plan that covers both priority and non-priority debts safely.
Yes. Your credit can be rebuilt after completion. Lenders look at stability, deposit and recent credit behaviour — we’ll share a step-by-step rebuild plan.
Yes, our guidance is free and confidential. We’ll also explain any third-party fees (for example, if you proceed with a formal solution) before you decide.
Assessment is fast. Stopping calls and interest depends on the route you choose; we’ll aim for the quickest safe protection.
Check If I Qualify NowHaving too much debt doesn’t define you. With the right plan you can stop interest, halt enforcement, protect your home and — in many cases — write off unaffordable balances. We’ll guide you every step of the way, free and without judgment.
Start My Free Debt CheckGetting the right help is easier when you have the facts. Here are some trusted sources and statistics about problem debt in the UK:
These independent sources confirm: you’re not alone, and effective solutions exist.
Answer these quick questions to see which options may suit your circumstances:
Estimate how long repayments might take without help, versus using a formal solution: