Become Debt-Free with Trusted, Free Support
Struggling with debt? We’re an independent UK debt advice charity offering expert, confidential help to take control of your finances and start fresh—completely free of charge.
Your Debt-Free Partners
Your Debt-Free Partners
At Debt Free Path, we help individuals regain control of their finances through free, trusted debt advice. We understand how overwhelming debt can be, and we’re here to offer guidance without judgment.
Our goal is simple: support you with honest advice, tailored solutions, and ongoing care—so you can move toward a debt-free future with confidence.
What Makes Us Different
Personal Support
You’re not just a number. We listen and solution to your needs.
Always Available
We’re right by your side, whenever you need support.
Honest Guidance
No pressure, no jargon—just clear, compassionate help.
Our Debt Help Options
Individual Voluntary Arrangement
Consolidate all your debts into a single affordable monthly payment. An IVA helps you regain control while legally protecting you from creditors.
Debt Relief Order
If you have low income and minimal assets, a DRO can write off your debts completely without making any payments.
Bankruptcy
A legal process to deal with debts you can’t pay. It gives you a fresh start, though it may affect your credit and assets.
Debt Management Plan
An informal agreement between you and your creditors to repay debts in affordable monthly installments.
Trust Deed (Scotland Only)
A legally binding agreement in Scotland that allows you to repay part of your debts and write off the rest after a set period.
Secured Loans
If you’re a homeowner, you may borrow money secured against your property with a lower interest rate.
Frequently Asked Questions
What sort of debts can you help with?
We can help with a wide range of unsecured debts, including credit cards, personal loans, payday loans, overdrafts, store cards, and more. The right solution will depend on your circumstances, the total amount you owe, and the number of creditors involved.
Our trusted partners will assess your situation and recommend the most suitable debt solution for your needs.
How long does it take?
The time it takes to set up a debt solution can vary depending on your individual circumstances and the type of solution you choose. However, our partner debt experts will guide you through the process and explain all available options clearly—so you can make an informed decision quickly and confidently.
In many cases, initial advice and eligibility checks can be completed within a single phone call.
What are the costs?
There’s no cost to use our service, and you’re under no obligation at any point. If you qualify for debt help through one of our trusted partners, your monthly repayments will be reduced to an affordable amount that works for both you and your creditors.
Fees are only applicable if you choose to enter into a formal debt solution. In that case, your provider will clearly explain any associated costs in their terms and conditions before you proceed—so there are no surprises.
Why do I need to speak to someone? I'd rather do it all online.
We understand that speaking to someone can feel uncomfortable—but debt solutions are deeply personal and not one-size-fits-all. To ensure you’re offered the right advice and the most suitable solution, our trusted partners need to fully understand your individual circumstances.
A quick, confidential conversation helps tailor the support to your needs and ensures you’re guided toward the best possible outcome. Many people find this step reassuring and a vital part of starting their journey to financial freedom.
Can a debt solution affect my credit rating?
Yes, entering into a debt solution—such as an IVA, Trust Deed, DMP, DRO, or Bankruptcy—will negatively impact your credit rating. These solutions are recorded on your credit report and typically remain visible for six years from the date they begin.
However, it’s important to remember that if you’re already struggling with debt, your credit score may already be affected. A debt solution can be a way to take control, stop further damage, and start rebuilding your financial future.
Will entering a debt solutions affect my job?
In most cases, entering a debt solution will not affect your employment. However, certain professions—such as accountants, solicitors, and financial services roles—may have specific regulations regarding insolvency arrangements like IVAs. In these fields, you might face restrictions or be required to disclose your financial situation to a regulatory body or employer.
If you’re unsure whether a debt solution could impact your job, we recommend seeking confidential advice before proceeding.
Got Questions About Debt Help? We’ve Got Answers.
Don’t Let Credit Card Debt Take Away Your Peace of Mind
You’re not alone—and you don’t have to stay stuck in debt.
Credit card debt and personal loans can feel like a never-ending cycle. The constant pressure of repayments, interest charges, and creditor calls can be mentally and emotionally draining. We understand how overwhelming it can be—and we want you to know that there is a way forward.
At Debt Free Path, we’ve helped thousands of individuals across the UK break free from financial stress and take back control of their lives. Whether you’re dealing with late payments, multiple creditors, or simply unsure of your options—we’re here to help with compassionate, confidential advice tailored to your situation.
Check if You Qualify for Debt Help
Complete the quick form below and take the first step toward a debt-free future.