Welcome to Debt Free Associates Limited, where we’ve been assisting individuals on their path to becoming debt free since we were established in 2009.
Our commitment is simple: to offer transparent, non-judgemental debt advice without all the confusing jargon. With many years of experience, we understand the challenges of financial hardship and will strive to find a suitable, affordable solution for you, tailored to your personal circumstances.
Debt Free Associates Limited is authorised and regulated by the Financial Conduct Authority (FCA) to provide debt counselling and adjustment. As one of the leading Debt Management Companies in the UK, we specialise in the set up and management of Debt Management Plans, which if suitable, will be tailored to your circumstances.
Where an alternative solution may be suitable, we’ll be upfront about this and pass you to one of our trusted partners who can provide you with the help and support you need.
We provide advice tailored to your individual circumstances at no charge, with no obligation. Our experienced team will help you explore all available debt solutions, explaining the benefits, risks, and costs of each option.
Debt Management Plans (DMPs): A flexible way to manage and repay debts at an affordable rate. Fees apply for this service, and we’ll explain these upfront.
We specialise in Debt Management Plans and provide information on a range of debt solutions to suit your needs.
We listen to your situation and recommend the most appropriate solution to help you regain control of your finances. Whether you’re considering a Debt Management Plan (DMP), Individual Voluntary Arrangement (IVA), or other options like Bankruptcy or Debt Relief Orders, we’ll explain everything in plain language. Our goal is to ensure any advice or solution we provide prioritises your needs and long-term financial health.
Regulated advice:
We are authorised and regulated by the Financial Conduct Authority (FCA), ensuring our advice is always compliant and in your best interest.
Transparency:
We explain everything clearly, so you understand your options and what’s involved.
Compassionate support:
Debt can be overwhelming, but you’re not alone. Our team is here to make the process stress-free and manageable.
Take the first step today. Contact us for a confidential chat about your options and let us help you find the right path to a debt-free future.
The DMP is ideal if:
You’re struggling to keep up with debt repayments but can commit to smaller, regular payments over time.
You are looking for something flexible and informal.
Your financial situation is likely to improve, or you have a steady and reliable income.
To qualify for a DMP with DSS, you must meet the following criteria:
A minimum monthly income of £1,000 (excluding housing benefit).
Minimum disposable income of £120 per month
Income can come from benefits, wages, or both.
At least £1,500 of unsecured debt.
Minimum of two credit lines (multiple debts with the same creditor are acceptable).