Credit Card Debt Help in the UK

Are you struggling with credit card debt in the UK? You’re not alone — millions of people are finding it harder to keep up with high interest rates and growing balances. At Fresh Start Debt Support, we help people just like you reduce or even write off unaffordable credit card debt, with no pressure or judgment.

Whether you've missed a few payments or are facing pressure from debt collectors, we can guide you through your options. We’ll help you understand what’s possible and how to move forward — free of charge.

What Happens If I Can’t Pay My Credit Card Debt?

Missing payments can quickly lead to:

• ✅ Additional interest and late fees
• ✅ Damage to your credit score
• ✅ Persistent contact from creditors or debt collectors
• ✅ Legal action in some cases

But help is available. We support people every day who have fallen behind — even by thousands of pounds — and guide them toward a fresh financial start using trusted debt solutions like IVAs, DMPs, and DROs.

How We Help People With Credit Card Debt

Fresh Start Debt Support offers a simple and confidential way to get back in control of your credit card payments. Depending on your situation, we may be able to:

• ✅ Freeze interest and stop fees from building up
• ✅ Reduce your monthly payments to something affordable
• ✅ Stop creditor contact and legal action
• ✅ Write off unaffordable debt through formal solutions

Every case is different — and we’ll help you understand the options without any pressure. Whether it’s an IVA, a Debt Management Plan, or a Debt Relief Order, we’ll walk you through everything clearly.

Debt Solutions for Credit Card Debt

If you're behind on payments, you may qualify for one of the following solutions:

Individual Voluntary Arrangement (IVA)

With an IVA, you could write off a portion of your debt and make one affordable monthly payment over 5–6 years. It offers legal protection from creditors and bailiffs.

Debt Management Plan (DMP)

A DMP allows you to repay your credit card debt at a pace you can afford. We'll negotiate with your creditors to freeze interest and charges where possible.

Debt Relief Order (DRO)

If you owe less than £30,000 and have few assets, a DRO can help write off your debt after 12 months — with no payments required in that time.

Not sure what’s right for you? Try our Debt Calculator to explore your options in minutes.

Real Results From Real People

"I had over £10,000 in credit card debt and felt trapped. Fresh Start explained everything clearly and helped me get onto a proper plan. Now I finally sleep at night." – Emma, Leeds

"I was scared to even answer the phone. These guys helped stop the calls and gave me a clear way forward. Thank you!" – David, London

Take the First Step Today

Whether your credit card debt is with Capital One, Barclaycard, Halifax, or another lender — you're not alone, and you don't have to figure it out by yourself. We're here to help you find a solution that fits your life.