A Brief Guide to Debt Management

A Fresh Approach

As debt management professionals, we believe that reaching informal agreements with all of the people you owe money to is the best way to get your finances under control. In fact, it is often the case that people you owe money to are happy for FreshStart to become involved, as it means that you are taking steps to pay them.

FreshStart is not a charity or a government run organisation, it is a professional debt solutions company, and like any professional business we charge fees. Please follow the link to our terms and conditions for full details of these fees or speak to one of our friendly members of staff on 0800 111 6655.

The Benefits of Debt Management in Short

FriendlyYou don’t have to worry about calling us – we’re here to help.
EffectiveIn the majority of cases, we are able to get charges stopped and future interest suspended
ProtectiveWe will endeavour to limit the contact from your creditors.
SensibleWe can arrange a monthly repayment schedule you can afford.

The Benefits to You & The people You Owe Money To

We'll help you to work out how much you can actually afford to pay your creditors.

No more struggling to find money you have not got.

We will also negociate for interest and other charges to be frozen, allowing you to repay just what you can afford, however this is accepted at the discretion of the individual creditors.
For more information about debt solutions, you can access the 'In Debt? Dealing with your Creditors' guide free of charge at www.insolvency.gov.uk

All our products are subject to status and terms and conditions will apply. Please note FreshStart Financial Management Ltd is a wholly owned subsidiary of Harrington Brooks Accountants Ltd who will assist with the management of your financial solutions plan. Repaying your debt over a longer period may increase the total amount to be repaid. Your ability to obtain credit will be affected. Set Up Fees and Monthly Management Fees Apply. Telephone calls may be recorded for training and quality purposes.

Frequently Asked Questions

QuestionI owe money to several places. Is this a problem?
AnswerDebt management with FreshStart is all about making life simpler for you. So however many people you owe money to, you just make a single, affordable payment to us, and we will sort out paying everyone on your behalf, on time, every month!
QuestionSome people I owe money to are hassling me. Can you stop them?
AnswerWe will deal with your creditors/debt collectors on your behalf, please refer all letters and phone calls to us.
QuestionCan I speak to someone about my debt problems?
AnswerOnce you call FreshStart, we will give you a friendly, Personal Account Manager who will be happy to discuss your problems - and the solution - on a one-to-one basis, all done over the phone.

Call us now on 0800 111 6655 for a discussion in the strictest confidence with one of our friendly, helpful experts - and start getting your debts under control today.

Your credit rating may be affected whenever you do not keep up repayments on a credit agreement, and the details may be recorded on your credit file for 6 years. In the same way, most debt solutions may be recorded on your credit file. Any information which shows that you have not been able to meet the repayments due will can make it harder to obtain credit in the future.

For more information about debt solutions, you can access the 'In Debt? Dealing with your Creditors' guide at www.insolvency.gov.uk