At Debt Free Path, we believe that everyone deserves a second chance with their finances. We're a UK-based debt advisory and referral service — dedicated to helping people understand their options without judgement, pressure, or cost. We don't judge, we don't pressure, and we never charge for our initial advice.
Debt Free Path was founded with one simple mission: to make debt advice accessible, honest, and human. Too many people suffer in silence because they don't know where to turn, or they're afraid of the consequences of asking for help. We set out to change that — by creating a straightforward, trustworthy platform where anyone in the UK can get clear guidance on the debt solutions available to them.
To make debt advice accessible, honest, and human — so that no one in the UK has to face financial difficulty without the right information and support.
We work alongside FCA-regulated debt specialists, licensed insolvency practitioners, and experienced financial advisors across England, Wales, and Scotland.
We help UK residents explore and access regulated debt solutions. We help you understand what each option means for your life — your credit file, your assets, your employment — before you make any decisions. No pressure, no hard sell, and no obligation.
A formal, legally binding debt solution allowing you to repay what you can afford over a fixed period — typically 5 to 6 years — with any remaining eligible debt written off at the end.
Learn moreAn informal arrangement where you make one affordable monthly payment, distributed to your creditors at a reduced rate. Available UK-wide with no minimum debt level and no legal process.
Learn moreA low-cost solution for people with low income, few assets, and debts under £30,000 — providing a 12-month moratorium on debt repayment, after which qualifying debts are written off.
Learn moreA formal legal process that can provide a fresh financial start when other solutions aren't suitable. Most debts are written off after typically 12 months. Available in England, Wales, and Northern Ireland.
Learn moreA formal debt solution for Scottish residents, similar in structure to an IVA. Supervised by a licensed trustee, typically running for 4 years, with remaining unsecured debt written off on completion.
Learn moreThe Scottish equivalent of bankruptcy, providing a legal route to debt relief for eligible residents — including the Minimal Assets Process (MAP) for those with low income and few assets.
Learn moreGetting into debt is easy. Getting clear, reliable help can feel impossible. That's the gap we exist to fill.
We explain every option in plain English — no jargon, no small print buried at the bottom of a page. You'll always know exactly what you're agreeing to before you commit to anything.
There is no charge for speaking with our team or receiving an initial debt assessment. We believe advice shouldn't come with a price tag attached — ever.
We operate within the guidelines of the Financial Conduct Authority (FCA) and work exclusively with regulated, authorised partners. Your protection matters to us.
Our advisors have spoken with thousands of people who felt exactly the way you might right now — embarrassed, anxious, overwhelmed. We treat every person with the same respect and care.
Four principles guide everything we do — from the first phone call to the final debt payment. These aren't just words on a page. They shape every conversation we have and every decision we make.
We will always tell you the truth about your options — including when a particular solution may not be right for you.
Debt advice should be available to everyone. Our initial consultations are always free and our team is available 6 days a week.
No one should feel ashamed of their financial situation. We create a safe, respectful space for every conversation, without exception.
We take our duty of care seriously. We only recommend solutions that are genuinely in your best interest — never what's easiest or most profitable.
Regulatory Standard
All debt solutions we refer clients to are handled by Financial Conduct Authority regulated and authorised firms.
Formal Solutions
Where formal insolvency solutions are involved, our partners hold the required licences to act as Insolvency Practitioners.
Our Commitment
Every partner we work with is committed to treating customers fairly under FCA guidelines — no pressure, no hidden terms.
Independence
We do not accept referral fees that compromise the independence of our advice. Your best outcome is always our priority.
Quick answers to the most common questions people ask before getting in touch.
No. We are a private debt advisory and referral service. However, our initial consultation is always free of charge. If you are looking for free charitable debt advice, we can also signpost you to organisations such as StepChange, Citizens Advice, and National Debtline.
Debt Free Path operates as an introducer and referral service. All debt solutions we refer clients to are handled by FCA-authorised and regulated partners. We are committed to full compliance with UK financial regulations.
No. Simply contacting us or receiving a debt assessment will not impact your credit rating. A credit search will only occur if and when you choose to proceed with a specific formal debt solution through one of our regulated partners.
There is no charge for your initial consultation or assessment. If you proceed with a debt solution through one of our regulated partners, fees may apply depending on the solution chosen — these will always be clearly explained before you agree to anything.
Yes. We help clients across England, Wales, and Scotland. Please note that some debt solutions — such as Protected Trust Deed and Sequestration — are specific to Scotland and governed by Scottish law. Our advisers will guide you to the right option for your location.
Our friendly advisers are here to help — free, confidential, and without obligation. Get in touch today and let's find a way forward together.
Speak to an AdviserThe first call is free, confidential, and without obligation. You don't need to have anything prepared — just reach out, and we'll guide you through the rest.