Putting you back in control of your debt.
Learn more about Debt ManagementPlans from our advisors.
Using our independently approved Best Advice Model, we will review all the options open to you before suggesting the one that’s most appropriate.
At Debt Free Direct we are serious about helping people get out of debt and will only recommend the debt solutions suitable for you.
We have been helping people for over seven years and lobby for stricter regulation in the debt management advice sector.
For many of our customers with debts over £12,000 an IVA (Individual Voluntary Arrangement) is often the best solution to their debt problems.
If you or your partner are in full time employment an IVA could be the answer to your debt problems.
Debt management advice usually involves getting a debt management company to negotiate with people you owe money to, to secure lower monthly repayments of your debts.
If you take this route it is important you are aware that unlike an IVA, a Debt Management Plan is not legally binding and therefore people you owe money to do not have to stick to the arrangement: it is an agreement based on trust.
Debt Management can be an excellent solution to your debts, but it will depend on your individual situation. As well as debt management advice, we offer advice on consolidation loans.
For some, a consolidation loan can help but for those with debts over £12,000 it can actually worsen the situation and an IVA is usually a more effective solution.
Whatever your situation, you can take advantage of our independent advice with no obligation. We will always aim to find a solution that will meet your individual circumstances and answer any debt questions you may have.
We will always remain expert, finding the best solution for you. It may be that an IVA turns out to be the best approach for you to take, but whatever the eventual outcome, we will provide the honest services to you.