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Check now to see if you can write off 80% of your debt INSTANT CHECKER

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Get Debt Free With Debt Free Direct

Struggling to repay your debts?
See how we can help you get debt free.

  • Write off up to 80% of your debt

  • Put a stop to lender contact

  • Freeze interest and charges

Find out today if you can qualify to
write off up to 80% of your debt

Do I qualify?

Find out today if you can qualify to
write off up to 80% of your debt

See if you qualify

1/2

Residential details

Where do you live?

Please choose where you live

What is your residential status?

Please choose your residential status

Your Income

Is your total monthly household income over £700?

Please choose how much you earn

What is your income made up of?

Please choose where your income comes from

Do you have assets over £1,000?

Please choose your residential status

Your Debt

So, how much roughly do you owe your lenders?

Please choose how much you earn
Instant Checker
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Your Name

Please enter your name

Email Address

Please enter a valid email

Telephone Number

Please enter a valid phone number

As part of our service, Freeman Jones trading as Debt Free Direct may send you updates about the latest products and services that may be of interest to you. You can change your preferences at any point by simply calling, writing or opting out using the opt out link within the messages we may send you.

How would you like to receive updates

*Email includes push notifications,social and digital media

For more information on how we will use your personal information
you can read our privacy policy here.

Great News,
It looks like Debt Free Direct can
start to get you debt free.
An experienced, friendly advisor will call you from 0161 804 5327 and tell you how IVAs work.
We'll be able to work out how much you can afford and put together a proposal for your lenders.
If your IVA is accepted, you’ll start making lower payments. After your last payment, any remaining debt is written off.
Great News,
Look out for a call from our trusted partners at Astute Finance Ltd
An experienced, friendly advisor will call you from 0161 850 7428 and tell you how IVAs work.
We'll be able to work out how much you can afford and put together a proposal for your lenders.
If your IVA is accepted, you’ll start making lower payments. After your last payment, any remaining debt is written off.

Quickly check if you qualify

Residential details

Hello, where do you live?
Please choose where you live

Residential details

What is your residential status?
Please choose your residential status

Your Finances

Is your total monthly household
income over £700?
Please choose how much you earn

Your Finances

What is your income made up of?
Please choose where your income comes from

Your Finances

Do you have any assets over £1,000?
Please choose if you have assets over or under £1,000

Your debt

How much do you
owe to your lenders?

One step from a solution.

You could write off up to 80% of your debt
Please enter your name
Please enter a valid email
Please enter a valid phone number

As part of our service, Freeman Jones trading as Debt Free Direct may send you updates about the latest products and services that may be of interest to you. You can change your preferences at any point by simply calling, writing or opting out using the opt out link within the messages we may send you.

How would you like to receive updates

*Email includes push notifications,social and digital media

For more information on how we will use your personal information you can read our privacy policy here.

Write off debt with an IVA

IVAs were introduced by the government to help people who can’t afford to pay back all of their debts.

Upon completion, you could write off as much as 80% of your debt.

Over the past ten years 1000s of people have become debt free with an IVA.

An IVA will affect your credit rating for six years from the start date. At the end of an IVA, any remaining debt included in the IVA is written off along with the interest and charges.

Once a proposal has been put together, it’s sent to your lenders and they’re asked if they’ll accept the reduced payments.

Read More >

What we could help
you with…

Unsecured loans

Store Cards

Credit Cards

Payday Loans

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

How we can help

Once accepted you will benefit from:

  • Upon completion debts included in the IVA are written off
  • Your interest and charges are frozen
  • Lower monthly payments
  • You won’t have to sell your home
  • Your lenders cannot contact you or pursue you for legal action
  • Include all your unsecured debts including: credit cards, store cards, overdrafts, personal loans, payday loans & CCJs
Please note: your credit rating will be impacted for 72 months.
Do I qualify?

How an IVA works

Three simple steps
towards an IVA

Did you know?

Over 50,000 people every year become debt free with an IVA

How an IVA works

Step 01

Use the Instant Checker
and if eligible, we’ll put together
a proposal for your lenders

Step 02

If it’s agreed, you’ll make
one, affordable monthly payment

Step 03

We will talk to your lenders
and deal with all the paperwork

On completion, all unsecured debt
included in your IVA is written off

Three simple steps
to an IVA

For more help and advice, visit the Money Advice Service, an independent service set up to help people manage their money. Or find out more about the different options for paying off your debt here.

We understand
how worried you are.

It can be a real worry if you’re finding it hard to make your money last from month to month. Struggling with debt often leads to loss of sleep, anxiety and stress. It can also cause tension or arguments between you and your loved ones.

Check to see if an IVA could help

Do I qualify?

You could write off up to
80% of your debt

Do I qualify?

Real people, real stories

How we’ve helped 1000s of people build a brighter future.

Paul works in recruitment. He was £40,288 in debt from loans and credit cards. He wasn’t able to keep on top of his payments.

Paul works in recruitment. He was £40,288 in debt from loans and credit cards. He wasn’t able to keep on top of his payments. After speaking to us he was able to make one lower, affordable monthly payment of £160. Thanks to this, he wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.

Paul’s

Total unsecured debt

£40,288

We helped to
write off

£30,689

75%

of Paul's debt
was written off

After speaking to us he was able to make one lower, affordable monthly payment of £160. Thanks to this, he wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. Fees Payable.

Jade works in catering. She was £34,293 in debt from loans, credit cards & payday loans. Her debt built up whilst studying at Uni.

Jade works in catering. She was £34,293 in debt from loans, credit cards, store cards and payday loans. After speaking to us she was able to make one lower, affordable monthly payment of £170. Thanks to this, she wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.

Jade’s

Total unsecured debt

£34,293

We helped to
write off

£16,860

55%

of Jade's debt
was written off

After speaking to us she was able to make one lower, affordable monthly payment of £281. Thanks to this, she wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. Fees Payable.

Chris works as a tradesman. He was £11,520 in debt from loans and credit cards. He was injured at work and has been playing catch up ever since.

Chris works as a tradesman. He was £11,520 in debt from loans and credit cards. After speaking to us he was able to makeone lower, affordable monthly payment of £170. Thanks to this, he wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.

Chris’s

Total unsecured debt

£11,520

We helped to
write off

£1,350

10%

of Chris's debt
was written off

Chris works as a tradesman. He was £11,520 in debt from loans and credit cards. After speaking to us he was able to make one lower, affordable monthly payment of £170. Thanks to this, he wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. Fees Payable.

Anna is a clerical office worker. She was £56,563 in debt from loans, credit cards, car finance and store cards.

Anna is a clerical office worker. She was £56,563 in debt from loans, credit cards, car finance and store cards. She wasn’t able to keep on top of his payments. After speaking to us she was able to make one lower, affordable monthly payment of £333. Thanks to this, she wrote off most of his debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. IVAs are not available in Scotland. Fees Payable.

Anna’s

Total unsecured debt

£56,563

We helped to
write off

£36,584

60%

of Anna's debt
was written off

After speaking to us she was able to make one lower, affordable monthly payment of £333. Thanks to this, she wrote off most of her debt over a fixed term of five years.

Figures based on an actual customer who was recommended an IVA. IVAs are subject to acceptance we may suggest alternative solutions depending on your individual circumstances. Fees Payable.

A trusted service 2018

Since 2001, we have helped 1000s of people with their debt problems. Today we are an industry leader as more and more people look to us for expert advice. All of our advice is confidential and we won’t pass your information on to anyone. If you qualify for an IVA we will ask your lenders to accept reduced payments, which will include fees payable to us. You can find out more about how the fees are calculated here.

Do I qualify?
Do I qualify?

Other Frequestly
asked questions

01How does an IVA work?

By using our free online IVA checker, you can quickly find out if you’re eligible. Once you’ve been cleared, an expert adviser will be in touch to further understand your circumstances. From there, we’ll work out how much you’ll be able to pay on a monthly basis.

If it looks like a suitable solution for you, we’ll put together an IVA proposal for your lenders. Most proposals are accepted, but it’s up to them if they wish to go ahead. Once it’s approved, it’s your legal requirement to meet the monthly repayments agreed in your IVA.

Once your IVA has ended, your remaining debt is written off. Do note, however, if your IVA fails then bankruptcy could be a possibility.

02Will an IVA affect my job?

It is unlikely an IVA will affect your employment. Despite this, there have been occasions where company rules have been created which state an employee should not have an IVA, or have ever had one. The most common examples of this are:

  • Roles involving finances, such as an accountant
  • Roles involving financial advice, such as a mortgage adviser

To find out more about whether your employment could be affected, please contact our team and we’ll provide you with impartial advice: 0161 850 9783.

03Will lenders stop chasing me?

Once the IVA has been accepted, your lenders can’t chase you for repayments. If they do have any questions about your IVA, they’ll need to contact your insolvency practitioner.

04Will people know I’m on an IVA?

Whilst we understand your concerns, there’s no reason for anybody to know you have an IVA - this includes your family members, friends, or employer. An IVA is a private agreement between yourself and your lenders.

Your details will be listed on the Individual Insolvency Register, however, which is a public record. To find this information, a person would have to search for your details, but these will be removed from the register three months after your IVA has been completed.

05What debts can go into an IVA?

Various types of unsecured debt can be added to an IVA. Examples include:

  • Overdrafts
  • Credit and store cards
  • Personal loans
  • Council Tax arrears
  • Benefit arrears

Please note, an IVA can’t be used to pay off secured debts, an example being a mortgage.

06Will my home be affected?

The great news is your property will be safe – mortgage or rental payments are taken into account during the IVA setup process. This ensures you have spare money to pay for your housing requirements.

In the final year of your IVA, you could also be cleared to release equity from your home. If this isn’t possible, then your IVA may continue for an extra 12 months.

You could write off
up to 80% of your debt
Do I qualify?
×

As a resident of Scotland you have alternatives to an IVA

Find out more