Make Me Debt Free UK – Expert Debt Solutions & Advice

UK Debt Help

IVA Specialists

We’ve helped thousands consolidate debt into one affordable monthly payment with an IVA.

Write off up to 80% of your debts

Prevent legal action by creditors

Get your debts under control

Write off unaffordable debt

Lower your debt repayments

Stop interest & charges soaring

We are Make Me Debt Free

One of the UK’s leading IVA debt help companies specialising in consumer IVAs. We aim to provide practical and ethical debt guidance.

We can help

We’ll take time to understand your situation.

We resolve

Once you’re ready, we’ll talk you through the IVA process and help make those important next steps.

We listen

When you’re in debt, talking about it can be hard. Our team will take the time to listen to your concerns.

We understand

We’ve dealt with various circumstances and know the importance of receiving the right support.

Make Me Debt Free - the debt help & IVA specialists

Learn more about UK debt solutions below, or speak to Money Advice for guidance on an IVA which could write off large portions of your unsecured debt.

Formal Solution

Individual Voluntary Arrangements (IVA)

In IVA all of your debt will be consolidated into one. You have to pay one single monthly payment which will cover all of your debts.

Formal Solution

Debt Relief Order (DRO)

In DRO you don’t need to pay anything and all of your debt will be legally written off.

Formal Solution

Bankruptcy

Bankruptcy debt solutions in the UK typically refer to legal processes that individuals or businesses may use when they are unable to repay their debts

Informal Solution

Debt Management Plan (DMP)

An informal agreement between you and your creditors for paying back your debts.

Scottish Solution

Trust Deed

A trust deed is a legally binding agreement between you and the people you owe money to, to pay all or some of the money you owe.

Loan Solution

Secured Loans

If you have got a mortgage then you can get a secured loan against your mortgage with lower Annual Percentage Rate (APR).

IVA help you can trust

Make Me Debt Free. Have been very helpful to me, my family. And many special thanks of jack Ray. They took all the stress and worry out of my life and with excellent service. I will highly reecommend this company to anyone who worrying over debts. God bless you all. Thank you again M.D

– Mohammand Ali Davatgarnia

I can’t recommend Make me debt free enough. We got into serious debt following redundancies and they took all the stress, pain and worry out of our situation and dealt with all creditors for us. There is never any judgement on your situation.

– Jane Smith

MakeMeDebtFree have been very helpful every step of the way, in breaking down all my initial problems, explaining the issues and helping me to establish a viable route. Communication has been great, attentive and kind.

– Michillia Johnson

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We're committed to helping you become debt free.

Personalised Debt Solutions

We take the time to understand your situation and recommend the best debt solution for your needs — helping you move toward financial stability with confidence.

Expert Guidance, Every Step

Our experienced team supports you through every stage of the process, ensuring everything is handled smoothly and clearly.

A Clear Path to Freedom

We make becoming debt free simple and stress-free, giving you the clarity and support you need to take control of your finances.

Make Me Debt Free FAQs

What does Make Me Debt Free do?

Here at Money Advice, we offer guidance on IVAs as a potential solution to your debt worries.

Here at Make Me Debt Free, we provide expert guidance on IVAs to help you take control of your debt.

Our team can walk you through every step of the IVA process — from preparing your application to having our qualified Insolvency Practitioner oversee the arrangement — ensuring you have the support you need to become debt-free with confidence.

Why choose Make Me Debt Free?

At Make Me Debt Free, our reputation speaks for itself — thousands of people across the UK have trusted us to take their first steps toward a debt-free future, and their reviews reflect the success of our support.

We’ve designed our process to be as simple and stress-free as possible, so you can focus on moving forward while we guide you through every stage of the IVA process with care and expertise.

How do you know what solution is right for me?

Our assessors take the time to truly listen and understand your situation. We provide clear information on a wide range of debt solutions available across the UK.

At Make Me Debt Free, we specialise in IVAs — and if this is the right solution for you, our experienced team will guide you through every step of the process with care and professionalism.

We’ve designed our process to be as simple and stress-free as possible, so you can focus on moving forward while we guide you through every stage of the IVA process with care and expertise.

Is the service free?

At Make Me Debt Free, we never charge any upfront fees.

If you choose to proceed with an IVA, there will be fees to cover the management and administration of your arrangement — however, these are included within your agreed monthly payments, so there are no extra costs to worry about.

What if I’m not ready to talk about my debts?

Reaching out for help with your debts can feel like one of the hardest steps — and we completely understand that.

At Make Me Debt Free, many of our customers tell us they felt a huge sense of relief after speaking with one of our friendly assessors. Our team combines expertise with genuine understanding to help lift the weight off your shoulders and guide you toward a debt-free future with confidence.

What debt solutions are available?

There’s a variety of debt solutions available in the UK, and each has its own qualifying criteria.

The main debt solutions include:

Debt management plans (DMP)
Individual Voluntary Arrangements (IVA)
Bankruptcy
Debt Relief Orders (DRO)
Protected Trust Deed (Scotland only)
Debt Payment Plan (Scotland only)

Money Advice specialises in IVAs.

What's an IVA?

This is one of the questions we’re asked most often, so we’ve put together plenty of information to help you understand how an IVA works and what to expect.

An Individual Voluntary Arrangement (IVA) is a government-approved alternative to bankruptcy, introduced in 1986 to help people regain control of their finances and reduce unmanageable debt.

With an IVA, you make affordable monthly payments based on your circumstances, while your creditors agree to write off a portion of what you owe. The arrangement typically lasts for five years and offers a structured, realistic path to becoming debt-free — without the long-term impact of bankruptcy or the uncertainty of informal debt plans.

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Let’s talk!

Go ahead and send us a brief of your requirements!

Make Me Debt Free Top Tips

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With rising food, energy, and gas costs, millions of UK households are finding it hard to make ends meet. See what support and help are available to you.

If you’re facing a debt emergency

If you’re facing a debt emergency, you’re not alone. There are options available to help you take control, reduce your financial pressure, and protect yourself from legal action. Acting early can make a big difference in managing your debts effectively.

Get on top of things

Take control of your finances and stay ahead of your debts. With the right guidance and support, you can manage repayments, prevent further problems, and work towards a debt-free future.

Make your money count

Stretch your budget further and make every pound work for you. By managing your spending wisely and exploring available support, you can reduce financial stress and take steps toward a more secure future.

Do what's right for you

Everyone’s financial situation is different, so it’s important to make decisions that suit your circumstances. Explore your options carefully, seek professional guidance, and choose the solutions that give you the most control and peace of mind.

Take action today

Don’t wait until your debts become unmanageable. Taking steps now—whether seeking advice, exploring support options, or setting up a plan—can help you regain control and start moving toward a debt-free future.