Write off up to 80% of your debts today


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Write off up to 80% of your debts*

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How we help you!

Freeze Interest & Charges

Make One Affordable Monthly Payment

Stop the Lenders Contacting You!

All Your Options Explained

Three Steps to financial freedom

1. Start your application

This first step can be accomplished in little as 60 seconds. Once you provide us with a snapshot of your financial position, we’ll be in contact to discuss your situation.

2. Let's Find a Solution Which Works for You

Once we assess your financial situation we will be able to find the best debt solution for you and work out how much debt can be written off...

3. Let Us Do The Rest!

Once you’ve decided, we will liaise with your creditors, manage the paperwork, and keep you updated on any progress. Let’s begin your journey to a debt-free future!

Why choose Debt Liberty

Easy Application Process

Our application process is quick and simple.

Speak to our team

Our UK based team is just one phone call away whenever you need us.

Protect your most Valuable Assets

Unlike other debt management solutions, an IVA allows you to protect the things that matter most. Your home, car, and valuable assets. 

Trusted and Secure

All our processes are confidential and secure.

Why an IVA could be right for you?

What is an IVA?

An Individual Voluntary Arrangement, or IVA, is one way for people to get back on top of their unsecured debt repayments. Allowing you to write off up to 80% of your debts, you can consolidate these debts while making payments starting from just £80 per month.

It is a legally binding agreement between you and your creditors that helps you repay your debts in an affordable and manageable way. You’ll agree a fixed term (usually around 5 years) and make fixed payments whilst interest and charges are frozen.

Alternative Options


Bankruptcy is a legal process through which people who cannot repay debts to creditors may seek relief from some or all of their unsecured debts. Bankruptcy can also be imposed by court order, at the application of a creditor (a company or person who is owed money).

Debt Management Plan

A Debt Management Plan is an agreement between you and your creditors to pay your debts via a regulated company.

Debt management plans are usually used when either:

  • you can only afford to pay creditors a small amount each month, over a longer period of time
  • you have debt problems but will be able to make full repayments again in a few months
Trust Deeds

This only applies to people living in Scotland.

A trust deed is a voluntary agreement between you and the people you owe money to (also called your creditors). You agree to pay a regular amount of money towards your debts and at the end of a fixed time, the rest of your debts will be written off. 

Debt Relief Order

Debt Relief Orders (DROs) are one way to deal with your debts if you owe less than £20,000, do not have much spare income and do not own your home.

If you get one:

  • your creditors cannot recover their money without the court’s permission
  • you’re usually freed (‘discharged’) from your debts after 12 months
Debt Consolidation

Debt Consolidation means taking out further credit to replace (consolidate) existing debts.

This is often in the form of a personal loan although homeowners with equity may be able to access other types of credit secured against their property.

Write off up to 80% of your debts*

*Amount of debt written off depends on individual circumstances including affordability and the amount of debt you have. Have a look at the representative examples below!

Debt Examples