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Debt Help Hub
Take your first steps towards a debt-free future with Fresh Start UK

If you are a UK resident and your financial situation has recently changed, Fresh Start UK is here to help. Our team of specialist financial debt advisors have decades of combined experience in providing debt management advice to help customers become debt-free and get the assistance they need to start their journey towards a debt-free future. 

We have assisted over 12,000 customers on their journey to becoming debt-free. Our financial debt advisors are on hand to listen and provide debt management advice on all available debt solutions, which will be based on your unique circumstances. Together, we can achieve a Fresh Start for your financial future.

Managing different types of debt
Debt management advice

There are many different types of debt and here at Fresh Start UK, our team of financial debt advisors will help you to better understand what types of debt you have accrued and how you can best manage them and make repayments. Unsecured debt is the most common form of debt and is generally easily accessible. Unsecured debt comes in several different forms, such as personal loans, overdrafts, utility bills, credit cards and payday loans. 

We understand that this type of debt can quickly become unmanageable, which is why our financial debt advisors can give you the best debt management advice for your specific situation. If you’re worried about debt, then rest assured that there will be something that you can do to take control. One of our professional, helpful & friendly financial debt advisors will be able to discuss your situation and recommend a debt solution to help you on your journey to becoming debt-free.

Credit Cards

Payday Loans

Store Cards & Catalogues


Personal Loans

Business Debt

Dealing with creditors
Managing your communications

Fresh Start UK has been operating since 2009 and our financial debt advisors have helped over 12,000 customers on their journey to becoming debt-free by providing debt management advice. We have experience negotiating repayments with the UK’s largest credit providers and debt collection companies.

We understand that, when you’re dealing with debt, regular communications from creditors can worsen the situation. No matter who you’re in debt with, finding the right debt solution for you means that we can help reduce the need for communicating with them directly. Our financial debt advisors can help reduce the need for communicating with them directly and look at a range of available solutions, providing a recommendation following the debt management advice given to you. Certain solutions we offer would remove the potential hassle of dealing with multiple creditors, by negotiating repayments into one amount, based on your affordability.

Contact one of our professional financial debt advisors today to discuss your options and let us help you on your way to a financial Fresh Start.

Capital One



Lloyds Bank

Marks & Spencer





Lowell Financial


Link Financial


Cabot Financial

Hoist Finance

PRA Group



More about our fees
Honest and upfront pricing

Fees may be involved with your recommended debt solution. As such, at Fresh Start UK we promise to be open, honest and upfront with our customers so that there are no nasty surprises with our fees. With our debt management advice, we aim to set our Monthly Management Fees (MMF) based on the amount of work that our financial debt advisors’ help will usually take, as we believe this is the fairest way. 

This means that if you have one or two debts, then your MMF will be less than if you have over 10. This is also why our fees are slightly higher during the initial 6 months of your plan, because the amount of work that is needed is much higher.



The first step you need to take is to contact our team of financial debt advisors. From here, we can take a look at your initial case and then tailor our advice and guidance to suit your unique circumstances. We’ll provide you with all the information you’ll need to make an informed decision and will assist you with whichever option you choose. 


There are several different debt solutions that you can choose from, so it’s just about finding the right solution for you. Our team are highly experienced in what they do and when it comes to debt management advice, they are here to help. Visit our FAQ section for quick help and advice on a range of debt management topics. 

We understand that regular contact with creditors can add stress and upset to an already sensitive situation. Reducing contact with creditors is something that we can help with, but this is dependent on the solution provided as part of the debt management advice offered by our financial debt advisors


Some debt solutions, such as IVA, bankruptcy and DROs have legal factors involved, which means that creditors are no longer able to pursue the debt. If a debt management plan is found to be the best solution for you, this is more informal and therefore lacks legal protections in terms of creditor contact. 

If you are facing immediate pressure from creditors, then it may be worth considering Breathing Space as an option. This gives you time, during which creditors are unable to contact you, whilst you better assess your debt repayment options.

This is an option in very specific circumstances, which our financial debt advisors can help you with. It might be that, with your current debts, it would take you a long time to pay back what you owe. In this instance, it may be the case that it would be appropriate to explore a solution which writes off all, or at least some of, your debts. However, we highly recommend seeking debt management advice to determine which option is most suitable for you. Our friendly financial debt advisors will be more than happy to discuss this with you.

There are many different ways in which you can get out of debt. One of the best first steps to take is speaking to our financial debt advisors about your financial situation and, from here, they can provide you with debt management advice about the best way we can help you move forward towards a debt-free future. There are many different debt management solutions available, it’s all about finding the right one for you.


Money Helper has replaced the Money Advice Service and brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.