If you are struggling with debt, a debt management programme may be the best way to deal with your individual debt problems. At Debt Free Direct we have helped thousands of people get back on track to a debt free future with our impartial advice. We use our Best Advice Model to identify which debt solution is the best option for you and we do not charge you for debt advice.
Have you heard of an IVA?
For the people that contact us with debts over £15,000, an IVA is often the best course of action to take as it allows you to pay off all your debts in affordable monthly repayments usually over a period of five years. If you or your partner are in full time employment, an IVA may be a more suitable solution for you than a debt management programme.
If our Best Advice Model does indicate a debt management programme as being the best solution for you, we will negotiate with people you owe money to on your behalf in order to agree on lower repayments. Unlike an IVA, a debt management plan is not legally binding and any arrangements made between you and people you owe money to are based on trust.
A Debt Management Programme can lower repayments
.Our Best Advice Model has been checked independently and we will only recommend a debt management programme after having looked in detail at your financial situation in the strictest confidence. It may be that an IVA is the most effective course of action to take in dealing with your debts. Whether we recommend a debt management programme, an IVA or a consolidation loan, we will not charge you any fees for our obligation free advice.
We are serious about helping people get out of debt and we have been helping people for over seven years, as well as lobbying for tighter regulation in the debt advice sector.
