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Debt Help and Advice

Discover our specialist help.

Debt Free Direct can provide
you with:

  • Advice on debt solutions
  • Advice tailored to your situation
  • Confidential help and advice

Specialist Help For Debt Problems

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Debt Free Direct is experienced in providing specialist help for debt problems .

If you are struggling with debt financing, help is on hand here at Debt Free Direct.

We offer assistance to all those with debt problems and have helped thousands of people over the shortest possible time and with the minimum of inconvenience.

Our aim is to always offer the best approach to tackling your debt problem. We will only offer debt help after having looked at your finances in detail and in the strictest confidence.

We then use our Best Advice Model to identify the best solution for your debt problem.

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Is An IVA Right For You? Ask Us.

For many of our customers the best debt help turns out to be an IVA or Individual Voluntary Arrangement. If you or you partner is in full time employment, and have debts over £12,000, an IVA could be right for you.

An IVA allows you to pay back what you owe in affordable monthly instalments, usually over a period of five years.

IVAs offer effective debt problem help because at the end of the term of the arrangement, any remaining debts are cleared and you need have no further contact with people you owe money to.

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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.

There Are a Number Of Other Debt Solutions If An IVA Is Not For You

For those with a less severe debt problem, help may be available in the form of a debt management plan or consolidation loan. If you have debts of less than £12,000 our best advice model may identify a debt management plan as being the best solution for you. This involves negotiating with people you owe money to, to agree on lower monthly repayments.

Unlike an IVA, a debt management plan is not a legally binding contract and therefore people you owe money to agree to stick to arrangements made on a mutual agreement basis only.

Consolidation loans can provide debt problem help for some people, but for those with debts of over £12,000 a loan can actually worsen matters due to the added financial burden, and thus an IVA is often more suitable.

Debt Free Direct is serious about providing specialst debt help to all those who feel they have a debt problem. We have even worked with a government body and are constantly lobbying for stricter regulation in the debt advice sector.

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