Debt Free Path

2015

Founded

20K+

People Helped

Who We Are

We're Here to Help — Not to Judge

Debt can affect anyone. It doesn't matter how it started — a job loss, a relationship breakdown, rising bills, or simply borrowing a little too much over time. What matters is getting the right help before things get harder. Since 2015, we've helped more than 20,000 people across the UK find a way out of debt. Our advisers take time to understand your full situation before recommending anything — no script, no hard sell, and no pressure. Everything we do is free at the point of contact, and every adviser is fully qualified.

Our Mission

To give everyone in the UK access to free, honest debt advice — and to make the path to becoming debt-free as clear and straightforward as possible.

Our Vision

A UK where no one has to face financial difficulty alone. Where the right help is always within reach, and where debt is something that can be resolved — not something you simply have to live with.

Your Information Stays Private Everything you share with us is treated with complete confidentiality. We will never share your details without your permission.

Free Advice, No Strings Our guidance is free from the first call. We will always tell you clearly and upfront if any charges apply to a specific solution before you decide anything.

How We Can Help

Debt Solutions and Support for Every Situation

There's no single answer that works for everyone in debt. What works for you depends on how much you owe, what you earn, and what your life looks like right now. Our advisers cover every option — and they'll help you find the one that fits.

Most Common

Individual Voluntary Arrangement

An IVA is a legally binding agreement between you and your creditors, supervised by a licensed Insolvency Practitioner. You make one affordable monthly payment — typically over 5 years — and any remaining debt is legally written off at the end.

Typically write off 25–80% of unsecured debt

Suitable for debts of £7,000+ owed to 2+ creditors

Creditors cannot chase you once IVA is approved

Stays on your credit file for 6 years

You may keep your home (with conditions)

Must be set up by a licensed Insolvency Practitioner

Check IVA Eligibility

Free Option

Debt Management Plan

DMP — Available UK-Wide
A DMP is an informal arrangement where you make one reduced monthly payment to a debt management company, which distributes funds to your creditors. It's not legally binding, but most creditors cooperate and may freeze interest and charges.

No minimum debt level — suitable for any amount

Interest and charges often frozen by creditors

No legal process — flexible and can be stopped

Can be arranged through free charities (StepChange, NABS)

Does not write off debt — you repay in full over time

Appears on credit file while active

See if DMP Suits You

Bankruptcy

England, Wales & Northern Ireland
Bankruptcy is a formal insolvency process suitable for people who cannot repay their debts and have few assets. Most debts are written off after typically 12 months. It is not the end — many people rebuild financially within a few years.

Court process — application fee of £680 applies

Debts generally discharged after 12 months

Restrictions on certain jobs and directorships

Assets (including property equity) may be sold

Remains on credit file for 6 years

Not suitable if you own a home with equity

Learn About Bankruptcy

Debt Relief Order

DRO — England, Wales & Northern Ireland
A DRO is a low-cost formal insolvency option for people with low income, minimal assets, and debts under a set threshold. After 12 months, qualifying debts are written off. It must be applied for through an authorised debt adviser — you cannot apply directly.

Application fee: £90 (paid through an approved intermediary)

Debt threshold: currently up to £30,000

Suitable if you have little or no spare income

Cannot own a vehicle worth more than £2,000

Debts written off after 12 months if circumstances don't change

Available only via approved intermediary organisations

Check DRO Eligibility

Protected Trust Deed

PTD — Scotland Only
A Protected Trust Deed is Scotland's equivalent to an IVA. A trustee manages the process, you make reduced monthly payments for typically 4 years, and remaining unsecured debts are written off. Creditors are legally prevented from taking further action.

Available only to Scottish residents

Typically lasts 4 years (shorter than an IVA)

Debts over £5,000 to at least two creditors

Legal protection from creditor action once protected

Trustee manages your estate during the process

Stays on Accountant in Bankruptcy register

Explore Trust Deed Options

Sequestration

Scottish Bankruptcy — Scotland Only
Sequestration is the Scottish equivalent of bankruptcy. It is a formal legal process that can write off most unsecured debts. There are several routes, including the Minimal Assets Process (MAP) if you have low income and few assets.

Available to Scottish residents only

Minimal Assets Process (MAP) — low cost option for low income

Full sequestration discharge typically after 12 months

Administered by the Accountant in Bankruptcy (AiB)

Restrictions apply during the process

Most unsecured debts written off on discharge

Learn About Sequestration

Getting Started

What Happens When You Contact Us

Getting started is simpler than you might think. Here's what the process looks like from your first call to your final payment.

Tell Us About Your Situation

Get in touch in whatever way suits you — phone, online, or chat. One of our advisers will ask you some straightforward questions about your debts, your income, and your outgoings. There's nothing to prepare. Just talk to us honestly and we'll take it from there.

We'll Show You Your Options

Once we have a clear picture of your situation, your adviser will explain every option available to you in plain English — what each one means, how it works, and what the pros and cons are. No jargon. No pressure to choose anything on the spot.

We'll Build a Plan Together

When you've chosen the right path forward, we'll put together a personalised plan built around what you can afford. If your solution involves working with your creditors directly, we'll handle that side of things for you.

We'll Support You All the Way Through

We stay with you from the first conversation to the last payment. If anything changes along the way — your income, your outgoings, your circumstances — we'll adjust your plan to keep things on track.

Why Get Help Now

The Sooner You Act, the Easier It Gets

Debt rarely gets easier on its own. Interest builds up, missed payments pile up, and the stress of it all can affect your health, your relationships, and your ability to work. Getting advice early — before things reach a crisis point — makes every part of the process simpler.

The Stress Starts to Lift

Most people tell us they feel better after their very first call — even before anything has been formally agreed. Having a clear plan removes a lot of the anxiety that comes with uncertainty.

You Stop Fire-Fighting Your Finances

Instead of managing multiple payments, multiple due dates, and multiple creditors, you'll have one clear plan to follow. That simplicity makes a real difference.

You Learn Skills That Last

The budgeting and money management skills you develop through this process don't disappear when your debts are paid. Our clients leave better equipped to handle their finances than when they started.

You Get Your Confidence Back

Understanding your finances — really understanding them — changes how you feel about money. Fear and avoidance get replaced by clarity and control. That shift is one of the most powerful parts of the whole process.

See How It Works in Real Life

Day 1

First Contact

Mark got in touch after months of ignoring letters from creditors. He had £14,000 spread across three credit cards and hadn't been able to meet minimum payments for two months. He felt embarrassed and didn't know where to start.

Week 1

Advice & Plan Created

After a free, confidential call, Mark's full financial picture was reviewed. A personalised repayment plan was agreed — one single monthly payment he could comfortably afford, with creditor interest frozen across all three accounts.

Month 6

Progress Milestone

£3,200 cleared. All interest frozen. Mark described his situation as "completely transformed" — the constant stress of unopened letters and missed payments had gone.

Month 36

Debt Free! 🎉

Final payment made. £14,000 cleared in full. Mark is now putting £400 a month into savings — something he couldn't have imagined when he first picked up the phone.

Free Check

Free Debt Repayment Checker

Enter your details below to see an estimate of how long it will take to clear your debt and how much you'll pay in total — then speak to an adviser about solutions that could do better.

Estimate Your Repayment Timeline

This is an estimate only. Contact us for a personalised, detailed plan.

Enter your details and click
Calculate Now to see your results

Frequently Asked Questions

Answers to the Most Common Debt Questions

Find answers to the questions we hear most often about debt relief, loans, and financial recovery.

What is a Debt Management Plan?

A Debt Management Plan — or DMP — is an informal arrangement where you make one affordable monthly payment to a debt adviser, who then shares it between your creditors. It's not a formal legal solution, which means it's flexible and can be adjusted if your circumstances change. Many creditors agree to freeze interest and charges as part of a DMP, which can reduce the total amount you repay significantly.

Will getting debt advice affect my credit score?

Entering into a formal debt solution will usually be noted on your credit file. But for most people who are already missing payments or carrying high balances, the short-term impact is far outweighed by the benefit of becoming debt-free. Your adviser will always explain what any solution means for your credit file before you agree to anything.

Is it really free?

Yes. Our initial advice and guidance are completely free. We will always explain clearly — before you make any decision — whether any charges apply to a specific solution. You will never be surprised by hidden costs.

How do I know which debt solution is right for me?

There's no shortcut here — it genuinely depends on your full situation. Your total debt, your income, your assets, and your long-term goals all play a role. Our advisers take time to understand all of this before making any recommendation. We'll always explain our reasoning clearly so you can make an informed decision.

How long does it take to pay off my debts?

It depends on how much you owe and how much you can afford to repay each month. A Debt Management Plan typically runs for three to seven years. Other formal solutions have fixed timelines. Whatever your path looks like, your adviser will give you a realistic estimate from the outset — so you always know what you're working toward.

What if I can't make a payment one month?

Contact us as soon as possible. Our advisers can review your plan and adjust it to reflect a change in your circumstances. Missing a payment doesn't have to derail your plan — but the sooner you let us know, the more we can do to help.

Can you help if I'm self-employed?

Yes. We regularly support self-employed people, contractors, and those on variable or irregular incomes. We know that a standard monthly budget doesn't always work for everyone — so we build plans that account for income that fluctuates. Being self-employed doesn't limit your options.

What if I've already missed several payments?

It's never too late to get help. We work with people at every stage of financial difficulty — from those who are just starting to struggle, to those who have already received county court judgements or been contacted by debt collectors. Whatever your situation, there are options available to you.

Still have questions?

Our friendly advisers are ready to help you navigate any aspect of your financial situation. Get in touch today — it's completely free and confidential.

Speak to an Adviser

+44 7446461601

advisor@debtfreepath.co.uk

Mon–Fri: 8am – 8pm

Free Debt Help That Actually Works

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