Debt Help Advice and Support

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Advice On Debt

Making informed decisions.

We can provide you with debt advice and
solutions to help manage your debt.

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Debt Free Direct assists thousands of people with our debt help, advice and support. We offer truly specialist debt help advice and are serious about helping address debt problems.

For over seven years our debt help advice has seen our customers learn how to manage debt and face a bright debt free future. We use our independently approved Best Advice Model to identify the best debt help advice for your individual circumstances and never charge for advice.

An IVA Can Reduce Your Debt and Help You Become Debt Free

If you are struggling with debts over £12,000 and think that there is no help out there for you, do not despair. For many of our customers, an IVA turns out to be the best form of debt advice we can offer.

An IVA (Individual Voluntary Arrangement) allows you to pay back what you can afford in set monthly instalments usually over a period of five years. An IVA avoids the consequences of bankruptcy and after the term of the arrangement you need have no further contact with people you owe money to.

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If our Best Advice Model does not point to an IVA being the best debt solution we can offer, a Debt Management Plan or Consolidation Loan are other options we might discuss with you.

You need to be aware that unlike an IVA, a Debt Management Plan is not legally binding. Debt Management is an arrangement between yourself and a Debt Management company who negotiate, supervise and distribute your debt repayments to the people you owe money to. You make one affordable payment each month, until the debt is cleared.

If we do suggest a Debt Management Plan as part of our service, we will help you achieve the best plan for your financial situation.

Learn more about Debt Management

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Customer Reviews

Woman Mrs H Lockley
Debt: £44,000
Solution: IVA
Since 2000, my husband and I used credit for various reasons such as home improvements and general living costs. Over the years our debt continued to build up. Eventually we owed £44,000 and keeping up with the payments was getting harder and harder.
Read more

A Consolidation Loan May Be All It Takes

A consolidation loan can help people struggling with debt, but for those with debts of over £12,000 it can sometimes worsen the situation and an IVA is often a more suitable solution. If we suggest a consolidation loan as part of our solution we will search the market to find the best product to meet your needs, at no cost to you.

Whatever your situation, Debt Free Direct are here to offer you specialist debt help, advice and support and we are serious about addressing debt problems, so serious we have worked with a government body and are lobbying for tighter regulation in the debt advice sector.

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