Debt Help That’s Simple, Supportive, and Free

At Fresh Start Debt Support, we help people across the UK take control of their finances with solutions like IVAs, DMPs, DROs, and more. Whether you’re behind on bills or juggling credit cards, we’ll guide you toward a fresh start — without judgment or pressure.

How We Help

• ✅ Freeze interest and charges on debts
• ✅ Stop contact from creditors and bailiffs
• ✅ Set up one affordable monthly payment
• ✅ Legally write off unaffordable debts in some cases
• ✅ Support and updates throughout your journey

No complicated jargon. No pressure. Just honest support when you need it most.

Explore Your Debt Solutions

Individual Voluntary Arrangement (IVA)

An IVA is a formal solution that lets you write off unaffordable debt and make one reduced monthly payment over 5–6 years. You’re protected from creditors and legal action during this time.

Debt Management Plan (DMP)

A DMP is an informal repayment plan based on what you can afford. You’ll repay your debts over time, and we’ll work to get interest and charges frozen by your creditors.

Debt Relief Order (DRO)

For those on a low income with minimal assets, a DRO can offer legal protection and complete debt write-off after 12 months. Strict qualifying criteria apply.

Bankruptcy

Bankruptcy can clear your debts if there’s no other way out — but it comes with consequences. We can help you explore if this is the right step before proceeding.

Trust Deed (Scotland only)

If you live in Scotland, a Trust Deed offers similar benefits to an IVA — with debt written off and one monthly payment based on affordability.

Why People Choose Fresh Start

• ✅ Fast, supportive UK-based debt help
• ✅ We work with fewer clients so you get more attention
• ✅ Confidential and judgment-free guidance
• ✅ Clear answers with no hidden fees or pressure

Whether you're dealing with credit cards, loans, council tax or bailiffs, we’ll help you find a way forward.

Real Results from Real People

“I was drowning in debt and didn’t know what to do. Fresh Start made everything simple and gave me hope again.” – Claire, Manchester

“I wish I’d reached out sooner. I’m now on a plan and my stress has dropped overnight.” – John, Birmingham