Go Debt Free UK | IVA, DMP, DRO & Bankruptcy Explained<\/title>\r\n<meta name=\"description\" content=\"Go Debt Free UK is a specialist debt solutions platform helping people across England and Wales understand IVA, DMP, DRO and Bankruptcy. Explore your options with confidence.\">\r\n<meta name=\"keywords\" content=\"IVA UK, debt management plan UK, debt relief order, bankruptcy UK, debt solutions UK, IVA eligibility 2025\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800;900&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n\/* \u2500\u2500\u2500 DESIGN TOKENS \u2500\u2500\u2500 *\/\r\n:root {\r\n --g1: #01472b;\r\n --g2: #007f59;\r\n --g3: #03a059;\r\n --g4: #00c25f;\r\n --g5: #00d96b;\r\n --cream: #f4f0e5;\r\n --cream2: #ece8d9;\r\n --white: #ffffff;\r\n --text: #0c1d14;\r\n --muted: #526659;\r\n --light: #e6f2eb;\r\n --border: #d8e6de;\r\n --r: 12px;\r\n --rl: 18px;\r\n --rp: 999px;\r\n --shadow: 0 2px 16px rgba(1,71,43,.07);\r\n --shadow-lg: 0 10px 48px rgba(1,71,43,.13);\r\n}\r\n\r\n\/* \u2500\u2500\u2500 RESET \u2500\u2500\u2500 *\/\r\n*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\r\nhtml { scroll-behavior: smooth; font-size: 16px; }\r\nbody { font-family: 'Manrope', sans-serif; color: var(--text); background: #fff; -webkit-font-smoothing: antialiased; overflow-x: hidden; }\r\nimg { display: block; max-width: 100%; }\r\na { text-decoration: none; color: inherit; }\r\nbutton, input, select { font-family: 'Manrope', sans-serif; }\r\n\r\n\/* \u2500\u2500\u2500 LAYOUT \u2500\u2500\u2500 *\/\r\n.container { max-width: 1300px; margin: 0 auto; padding: 0 40px; }\r\n.container-sm { max-width: 900px; margin: 0 auto; padding: 0 40px; }\r\n.section { padding: 100px 0; }\r\n.section-sm { padding: 72px 0; }\r\n.section-alt { background: var(--cream); }\r\n.section-dark { background: var(--g1); }\r\n\r\n\/* \u2500\u2500\u2500 EYEBROW \u2500\u2500\u2500 *\/\r\n.eyebrow {\r\n display: inline-flex; align-items: center; gap: 8px;\r\n font-size: 11px; font-weight: 700; letter-spacing: .11em; text-transform: uppercase;\r\n color: var(--g3); background: rgba(3,160,89,.08); border: 1px solid rgba(3,160,89,.2);\r\n padding: 5px 14px; border-radius: var(--rp); margin-bottom: 18px;\r\n}\r\n.eyebrow-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--g4); flex-shrink: 0; }\r\n.eyebrow-light { color: #8dd8b0; background: rgba(0,194,95,.1); border-color: rgba(0,194,95,.2); }\r\n\r\n\/* \u2500\u2500\u2500 SECTION HEADINGS \u2500\u2500\u2500 *\/\r\n.heading-xl { font-size: clamp(30px, 3.8vw, 46px); font-weight: 800; line-height: 1.12; letter-spacing: -.6px; margin-bottom: 16px; }\r\n.heading-lg { font-size: clamp(26px, 3.2vw, 38px); font-weight: 800; line-height: 1.15; letter-spacing: -.5px; margin-bottom: 16px; }\r\n.heading-lg span, .heading-xl span { color: var(--g3); }\r\n.heading-light { color: #fff; }\r\n.heading-light span { color: var(--g4); }\r\n.body-lg { font-size: 17px; line-height: 1.75; color: var(--muted); max-width: 580px; }\r\n.body-lg-light { color: rgba(255,255,255,.62); }\r\n\r\n.two-up { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: end; margin-bottom: 56px; }\r\n\r\n\/* \u2500\u2500\u2500 BUTTONS \u2500\u2500\u2500 *\/\r\n.btn { display: inline-flex; align-items: center; gap: 9px; padding: 15px 30px; border-radius: var(--rp); font-size: 15px; font-weight: 700; border: none; cursor: pointer; transition: all .22s ease; }\r\n.btn svg { width: 16px; height: 16px; flex-shrink: 0; transition: transform .22s; }\r\n.btn:hover svg { transform: translateX(4px); }\r\n.btn-green { background: var(--g4); color: var(--g1); }\r\n.btn-green:hover { background: var(--g5); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,194,95,.35); }\r\n.btn-dark { background: var(--g1); color: #fff; }\r\n.btn-dark:hover { background: var(--g2); transform: translateY(-2px); }\r\n.btn-outline-white { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,.32); }\r\n.btn-outline-white:hover { border-color: rgba(255,255,255,.72); background: rgba(255,255,255,.07); }\r\n.btn-outline-green { background: transparent; color: var(--g2); border: 1.5px solid var(--g2); padding: 12px 24px; font-size: 14px; }\r\n.btn-outline-green:hover { background: var(--g2); color: #fff; }\r\n.btn-sm { padding: 10px 20px; font-size: 13px; }\r\n\r\n\/* \u2500\u2500\u2500 NAVIGATION \u2500\u2500\u2500 *\/\r\n.nav {\r\n position: sticky; top: 0; z-index: 500;\r\n background: rgba(255,255,255,.96); backdrop-filter: blur(16px);\r\n border-bottom: 1px solid var(--border);\r\n transition: box-shadow .3s;\r\n}\r\n.nav.scrolled { box-shadow: var(--shadow); }\r\n.nav-inner {\r\n max-width: 1200px; margin: 0 auto; padding: 0 40px;\r\n height: 70px; display: flex; align-items: center; justify-content: space-between; gap: 24px;\r\n}\r\n.nav-logo { display: flex; align-items: center; gap: 11px; flex-shrink: 0; cursor: pointer; }\r\n.nav-logo-icon { width: 40px; height: 40px; }\r\n.nav-logo-text { font-size: 17px; font-weight: 800; color: var(--g1); letter-spacing: -.3px; white-space: nowrap; }\r\n.nav-links { display: flex; align-items: center; gap: 30px; }\r\n.nav-links a { font-size: 14px; font-weight: 600; color: var(--muted); transition: color .2s; white-space: nowrap; position: relative; }\r\n.nav-links a::after { content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px; background: var(--g3); border-radius: 2px; transition: width .2s; }\r\n.nav-links a:hover { color: var(--g1); }\r\n.nav-links a:hover::after { width: 100%; }\r\n.nav-right { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }\r\n.nav-cta { background: var(--g1); color: #fff; padding: 10px 22px; border-radius: var(--rp); font-size: 14px; font-weight: 700; border: none; cursor: pointer; transition: all .2s; white-space: nowrap; }\r\n.nav-cta:hover { background: var(--g2); transform: translateY(-1px); }\r\n.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 4px; color: var(--g1); }\r\n.hamburger svg { width: 26px; height: 26px; }\r\n\r\n\/* \u2500\u2500\u2500 MOBILE MENU \u2500\u2500\u2500 *\/\r\n.mob-menu {\r\n display: none; position: fixed; inset: 0; z-index: 600;\r\n background: var(--g1); flex-direction: column;\r\n padding: 28px 32px 48px; overflow-y: auto;\r\n}\r\n.mob-menu.active { display: flex; }\r\n.mob-menu-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 44px; }\r\n.mob-close { background: none; border: none; color: rgba(255,255,255,.6); font-size: 34px; line-height: 1; cursor: pointer; }\r\n.mob-nav { display: flex; flex-direction: column; }\r\n.mob-nav a { color: #fff; font-size: 22px; font-weight: 700; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.08); display: block; transition: color .2s; }\r\n.mob-nav a:hover { color: var(--g4); }\r\n.mob-cta-btn { margin-top: 36px; display: block; text-align: center; background: var(--g4); color: var(--g1); padding: 18px; border-radius: var(--rp); font-size: 17px; font-weight: 800; }\r\n\r\n\/* \u2500\u2500\u2500 HERO \u2500\u2500\u2500 *\/\r\n.hero { background: var(--g1); overflow: hidden; position: relative; padding: 0; }\r\n.hero-bg-glow {\r\n position: absolute; inset: 0; pointer-events: none;\r\n background: radial-gradient(ellipse 70% 90% at 72% 50%, rgba(0,194,95,.09) 0%, transparent 65%),\r\n radial-gradient(ellipse 40% 60% at 10% 80%, rgba(0,127,89,.12) 0%, transparent 60%);\r\n}\r\n.hero-grid {\r\n max-width: 1200px; margin: 0 auto; padding: 0 40px;\r\n display: grid; grid-template-columns: 1fr 520px;\r\n min-height: 660px; align-items: stretch;\r\n}\r\n.hero-content { padding: 88px 64px 88px 0; display: flex; flex-direction: column; justify-content: center; position: relative; z-index: 1; }\r\n.hero-badge {\r\n display: inline-flex; align-items: center; gap: 9px;\r\n background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14);\r\n color: #a6dfc0; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;\r\n padding: 7px 18px; border-radius: var(--rp); margin-bottom: 30px; width: fit-content;\r\n}\r\n.badge-pulse { width: 8px; height: 8px; border-radius: 50%; background: var(--g4); flex-shrink: 0; animation: pulse 2.4s ease infinite; }\r\n@keyframes pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: .5; transform: scale(1.5); } }\r\n.hero h1 { font-size: clamp(32px, 4.8vw, 62px); font-weight: 900; line-height: 1.08; letter-spacing: -1.2px; color: #fff; margin-bottom: 24px; }\r\n.hero h1 em { font-style: normal; color: var(--g4); display: block; }\r\n.hero-desc { font-size: 18px; color: rgba(255,255,255,.68); line-height: 1.72; max-width: 490px; margin-bottom: 38px; }\r\n.hero-cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }\r\n\r\n\/* Hero quick check widget *\/\r\n.hero-quick-check {\r\n background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);\r\n border-radius: var(--rl); padding: 22px 24px; max-width: 490px; margin-bottom: 36px;\r\n}\r\n.hqc-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.45); margin-bottom: 14px; }\r\n.hqc-options { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px; }\r\n.hqc-opt {\r\n background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);\r\n color: rgba(255,255,255,.75); font-size: 13px; font-weight: 600;\r\n padding: 8px 16px; border-radius: var(--rp); cursor: pointer; transition: all .2s;\r\n}\r\n.hqc-opt:hover, .hqc-opt.active { background: var(--g4); border-color: var(--g4); color: var(--g1); }\r\n.hqc-cta { width: 100%; background: var(--g4); color: var(--g1); border: none; padding: 13px 20px; border-radius: 8px; font-size: 14px; font-weight: 800; cursor: pointer; transition: all .2s; }\r\n.hqc-cta:hover { background: var(--g5); }\r\n.hero-trust { display: flex; flex-wrap: wrap; gap: 18px; }\r\n.trust-chip { display: flex; align-items: center; gap: 7px; font-size: 13px; color: rgba(255,255,255,.5); }\r\n.trust-chip svg { width: 15px; height: 15px; color: var(--g4); flex-shrink: 0; }\r\n\r\n\/* Hero visual *\/\r\n.hero-visual { position: relative; overflow: hidden; }\r\n.hero-photo { width: 100%; height: 100%; object-fit: cover; object-position: center top; min-height: 500px; display: block; filter: brightness(.78); }\r\n.hero-photo-overlay { position: absolute; inset: 0; background: linear-gradient(105deg, var(--g1) 0%, rgba(1,71,43,.18) 38%, transparent 58%); }\r\n.hero-float { position: absolute; background: #fff; border-radius: var(--r); box-shadow: var(--shadow-lg); }\r\n.hf1 { bottom: 40px; left: -12px; padding: 18px 22px; min-width: 224px; animation: floatUp .55s .2s ease both; }\r\n.hf2 { top: 40px; left: -12px; padding: 15px 18px; min-width: 180px; animation: floatUp .55s .4s ease both; }\r\n@keyframes floatUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }\r\n.hf-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted); margin-bottom: 5px; }\r\n.hf-value { font-size: 21px; font-weight: 800; color: var(--g1); line-height: 1; }\r\n.hf-sub { font-size: 12px; color: var(--muted); margin-top: 3px; }\r\n.hf2-row { display: flex; align-items: center; gap: 11px; }\r\n.hf2-icon { width: 38px; height: 38px; border-radius: 50%; background: var(--g4); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }\r\n.hf2-icon svg { width: 18px; height: 18px; color: var(--g1); }\r\n.hf2-title { font-size: 13px; font-weight: 800; color: var(--g1); }\r\n.hf2-sub { font-size: 11px; color: var(--muted); }\r\n\r\n\/* \u2500\u2500\u2500 STATS BAR \u2500\u2500\u2500 *\/\r\n.stats-bar { background: var(--cream); border-bottom: 1px solid var(--cream2); }\r\n.stats-inner { display: flex; flex-wrap: wrap; }\r\n.stat-cell { flex: 1; min-width: 160px; padding: 30px 24px; text-align: center; border-right: 1px solid var(--cream2); transition: background .2s; cursor: default; }\r\n.stat-cell:last-child { border-right: none; }\r\n.stat-cell:hover { background: rgba(1,71,43,.04); }\r\n.stat-num { font-size: 33px; font-weight: 800; color: var(--g1); letter-spacing: -1px; line-height: 1; }\r\n.stat-label { font-size: 13px; color: var(--muted); font-weight: 500; margin-top: 6px; line-height: 1.45; }\r\n\r\n\/* \u2500\u2500\u2500 ABOUT SECTION \u2500\u2500\u2500 *\/\r\n.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }\r\n.about-img-wrap { position: relative; }\r\n.about-img { width: 100%; height: 460px; object-fit: cover; border-radius: var(--rl); display: block; }\r\n.about-badge {\r\n position: absolute; bottom: -18px; right: -18px;\r\n background: #fff; border-radius: var(--r); padding: 18px 24px;\r\n min-width: 210px; box-shadow: var(--shadow-lg); border: 1px solid var(--border);\r\n}\r\n.ab-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted); margin-bottom: 5px; }\r\n.ab-value { font-size: 18px; font-weight: 800; color: var(--g1); }\r\n.ab-sub { font-size: 12px; color: var(--muted); margin-top: 3px; }\r\n.about-list { display: flex; flex-direction: column; gap: 22px; margin-top: 34px; }\r\n.about-item { display: flex; gap: 16px; align-items: flex-start; }\r\n.about-icon { width: 46px; height: 46px; border-radius: 11px; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }\r\n.about-icon svg { width: 22px; height: 22px; color: var(--g2); }\r\n.about-item h4 { font-size: 15px; font-weight: 700; margin-bottom: 5px; }\r\n.about-item p { font-size: 14px; color: var(--muted); line-height: 1.6; }\r\n\r\n\/* \u2500\u2500\u2500 SOLUTIONS \u2500\u2500\u2500 *\/\r\n.sol-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 56px; }\r\n.sol-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--rl); overflow: hidden; display: flex; flex-direction: column; cursor: pointer; transition: all .26s ease; }\r\n.sol-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-lg); border-color: var(--g3); }\r\n.sol-card-bar { height: 6px; }\r\n.sol-card-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }\r\n.sol-icon { width: 52px; height: 52px; border-radius: 13px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }\r\n.sol-icon svg { width: 25px; height: 25px; }\r\n.sol-card h3 { font-size: 20px; font-weight: 800; margin-bottom: 4px; }\r\n.sol-abbr { font-size: 12px; font-weight: 600; color: var(--muted); margin-bottom: 14px; }\r\n.sol-card p { font-size: 14px; color: var(--muted); line-height: 1.65; flex: 1; }\r\n.sol-pill { display: inline-block; margin-top: 16px; font-size: 11px; font-weight: 700; padding: 5px 12px; border-radius: var(--rp); text-transform: uppercase; letter-spacing: .05em; }\r\n.sol-more { display: flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 700; margin-top: 16px; transition: gap .22s; }\r\n.sol-card:hover .sol-more { gap: 11px; }\r\n.sol-more svg { width: 14px; height: 14px; }\r\n\r\n\/* \u2500\u2500\u2500 HOW IT WORKS \u2500\u2500\u2500 *\/\r\n.how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.09); border-radius: var(--rl); overflow: hidden; margin-top: 56px; }\r\n.how-step { background: rgba(255,255,255,.04); padding: 44px 34px; position: relative; transition: background .3s; }\r\n.how-step:hover { background: rgba(255,255,255,.08); }\r\n.how-step-num { font-size: 80px; font-weight: 800; color: rgba(255,255,255,.04); line-height: 1; position: absolute; top: 18px; right: 18px; letter-spacing: -3px; pointer-events: none; }\r\n.how-step-icon { width: 56px; height: 56px; border-radius: 15px; background: rgba(0,194,95,.12); border: 1px solid rgba(0,194,95,.22); display: flex; align-items: center; justify-content: center; margin-bottom: 22px; }\r\n.how-step-icon svg { width: 27px; height: 27px; color: var(--g4); }\r\n.how-step-img { width: 100%; height: 148px; object-fit: cover; border-radius: 10px; margin-bottom: 22px; opacity: .75; }\r\n.how-step h3 { font-size: 18px; font-weight: 700; color: #fff; margin-bottom: 12px; }\r\n.how-step p { font-size: 14px; color: rgba(255,255,255,.54); line-height: 1.7; }\r\n.how-footnote { font-size: 12px; color: rgba(255,255,255,.26); margin-top: 22px; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 ELIGIBILITY \u2500\u2500\u2500 *\/\r\n.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }\r\n.elig-img-col { position: relative; }\r\n.elig-img { width: 100%; height: 540px; object-fit: cover; border-radius: var(--rl); display: block; }\r\n.elig-badge-chip { position: absolute; top: 28px; left: 28px; background: var(--g4); border-radius: var(--r); padding: 15px 20px; }\r\n.ebc-val { font-size: 24px; font-weight: 800; color: var(--g1); }\r\n.ebc-label { font-size: 11px; font-weight: 700; color: rgba(1,71,43,.7); margin-top: 2px; }\r\n.elig-items { display: flex; flex-direction: column; gap: 13px; margin-top: 30px; }\r\n.elig-item { display: flex; gap: 15px; align-items: flex-start; background: #fff; border: 1.5px solid var(--border); border-radius: 11px; padding: 17px 20px; transition: all .22s; cursor: default; }\r\n.elig-item:hover { border-color: var(--g3); box-shadow: var(--shadow); transform: translateX(4px); }\r\n.elig-check { width: 28px; height: 28px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }\r\n.elig-check svg { width: 13px; height: 13px; color: var(--g2); }\r\n.elig-text h4 { font-size: 14px; font-weight: 700; margin-bottom: 4px; }\r\n.elig-text p { font-size: 13px; color: var(--muted); line-height: 1.58; }\r\n.elig-caveat { font-size: 13px; color: var(--muted); margin-top: 18px; font-style: italic; line-height: 1.6; }\r\n\r\n\/* \u2500\u2500\u2500 COMPARISON TABLE \u2500\u2500\u2500 *\/\r\n.cmp-wrapper { overflow-x: auto; margin-top: 56px; border-radius: var(--rl); border: 1.5px solid var(--border); box-shadow: var(--shadow); }\r\n.cmp-table { width: 100%; border-collapse: collapse; min-width: 800px; }\r\n.cmp-table thead tr { background: var(--g1); }\r\n.cmp-table thead th { padding: 22px 24px; text-align: left; white-space: nowrap; }\r\n.th-row-label { font-size: 11px; font-weight: 600; color: rgba(255,255,255,.38); text-transform: uppercase; letter-spacing: .08em; }\r\n.th-solution { color: #fff; font-size: 15px; font-weight: 800; letter-spacing: -.2px; }\r\n.th-solution span { display: block; font-size: 11px; font-weight: 500; color: rgba(255,255,255,.45); text-transform: uppercase; letter-spacing: .07em; margin-top: 3px; font-weight: 600; }\r\n.cmp-table tbody tr { border-bottom: 1px solid var(--border); transition: background .15s; }\r\n.cmp-table tbody tr:last-child { border-bottom: none; }\r\n.cmp-table tbody tr:nth-child(even) { background: #fafcfb; }\r\n.cmp-table tbody tr:hover { background: #f1f8f4; }\r\n.cmp-table td { padding: 17px 24px; font-size: 14px; vertical-align: top; line-height: 1.55; }\r\n.cmp-table td:first-child { font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .07em; width: 175px; white-space: nowrap; padding-top: 20px; }\r\n.cmp-yes { color: var(--g2); font-weight: 700; display: flex; align-items: flex-start; gap: 6px; }\r\n.cmp-yes svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 1px; }\r\n.cmp-no { color: #a12828; font-weight: 700; display: flex; align-items: flex-start; gap: 6px; }\r\n.cmp-no svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 1px; }\r\n.cmp-mid { color: #7a4e0a; font-weight: 600; }\r\n.cmp-footer { font-size: 13px; color: var(--muted); margin-top: 14px; text-align: right; }\r\n\r\n\/* \u2500\u2500\u2500 TOOLS \u2500\u2500\u2500 *\/\r\n.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 56px; }\r\n.tool-card { border: 1.5px solid var(--border); border-radius: var(--rl); padding: 38px; background: #fff; position: relative; overflow: hidden; transition: all .26s; }\r\n.tool-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--g1); transform: scaleX(0); transform-origin: left; transition: transform .3s; }\r\n.tool-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--g3); }\r\n.tool-card:hover::before { transform: scaleX(1); }\r\n.tool-tag { display: inline-block; font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; background: var(--light); color: var(--g2); padding: 4px 11px; border-radius: var(--rp); margin-bottom: 16px; }\r\n.tool-icon { width: 60px; height: 60px; border-radius: 15px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; }\r\n.tool-icon svg { width: 29px; height: 29px; color: #fff; }\r\n.tool-card h3 { font-size: 20px; font-weight: 800; margin-bottom: 11px; }\r\n.tool-card p { font-size: 14px; color: var(--muted); line-height: 1.68; margin-bottom: 26px; }\r\n\r\n\/* \u2500\u2500\u2500 BLOG \u2500\u2500\u2500 *\/\r\n.blog-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 22px; margin-top: 56px; }\r\n.blog-featured { display: flex; flex-direction: column; }\r\n.blog-secondary { display: flex; flex-direction: column; gap: 22px; }\r\n.blog-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--rl); overflow: hidden; display: flex; flex-direction: column; transition: all .26s; }\r\n.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }\r\n.blog-img-wrap { overflow: hidden; }\r\n.blog-img { width: 100%; object-fit: cover; display: block; transition: transform .45s; }\r\n.blog-card:hover .blog-img { transform: scale(1.05); }\r\n.blog-body { padding: 26px; flex: 1; display: flex; flex-direction: column; }\r\n.blog-cat { display: inline-block; font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; padding: 4px 11px; border-radius: var(--rp); margin-bottom: 13px; }\r\n.cat-iva { background: #e3f5eb; color: #1b5930; }\r\n.cat-edu { background: #e4eef9; color: #1a4278; }\r\n.cat-guide { background: #faebd8; color: #6b3e08; }\r\n.cat-life { background: #fce9e9; color: #7a1e1e; }\r\n.cat-news { background: #f0e9fa; color: #4a1d8a; }\r\n.cat-cmp { background: #e8f5e8; color: #1b5930; }\r\n.blog-body h3 { font-size: 17px; font-weight: 800; line-height: 1.35; margin-bottom: 11px; color: var(--text); flex: 1; }\r\n.blog-featured .blog-body h3 { font-size: 22px; }\r\n.blog-body p { font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 16px; }\r\n.blog-meta { display: flex; align-items: center; gap: 9px; font-size: 12px; color: var(--muted); }\r\n.blog-dot { width: 3px; height: 3px; border-radius: 50%; background: var(--muted); }\r\n.blog-read-more { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; color: var(--g2); margin-top: 15px; transition: gap .2s; }\r\n.blog-card:hover .blog-read-more { gap: 10px; }\r\n.blog-read-more svg { width: 13px; height: 13px; }\r\n.blog-secondary .blog-card { flex-direction: row; border-radius: var(--r); }\r\n.blog-secondary .blog-img-wrap { width: 110px; flex-shrink: 0; }\r\n.blog-secondary .blog-img { width: 110px; height: 100%; min-height: 120px; }\r\n.blog-secondary .blog-body { padding: 18px; }\r\n.blog-secondary .blog-body h3 { font-size: 14px; }\r\n.blog-secondary .blog-body p { display: none; }\r\n.blog-more-row { margin-top: 48px; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 FAQ \u2500\u2500\u2500 *\/\r\n.faq-wrap { margin-top: 52px; border: 1.5px solid var(--border); border-radius: var(--r); overflow: hidden; }\r\n.faq-item { border-bottom: 1px solid var(--border); }\r\n.faq-item:last-child { border-bottom: none; }\r\n.faq-btn { width: 100%; background: none; border: none; display: flex; align-items: center; justify-content: space-between; padding: 24px 30px; text-align: left; font-size: 16px; font-weight: 700; color: var(--text); gap: 20px; cursor: pointer; transition: background .2s; }\r\n.faq-btn:hover { background: #f7faf8; }\r\n.faq-btn.open { background: var(--light); color: var(--g1); }\r\n.faq-icon { width: 28px; height: 28px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all .3s; }\r\n.faq-icon svg { width: 12px; height: 12px; color: var(--g2); transition: transform .3s; }\r\n.faq-btn.open .faq-icon { background: var(--g4); }\r\n.faq-btn.open .faq-icon svg { transform: rotate(180deg); color: var(--g1); }\r\n.faq-panel { display: none; padding: 0 30px 24px 30px; font-size: 15px; color: var(--muted); line-height: 1.78; }\r\n.faq-panel.open { display: block; }\r\n\r\n\/* \u2500\u2500\u2500 LEAD FORM \u2500\u2500\u2500 *\/\r\n.form-section { background: var(--g1); position: relative; overflow: hidden; }\r\n.form-section::before { content: ''; position: absolute; width: 650px; height: 650px; border-radius: 50%; background: rgba(0,194,95,.05); top: -200px; right: -150px; pointer-events: none; }\r\n.form-section::after { content: ''; position: absolute; width: 300px; height: 300px; border-radius: 50%; background: rgba(0,194,95,.05); bottom: -80px; left: 5%; pointer-events: none; }\r\n.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 88px; align-items: start; position: relative; z-index: 1; }\r\n.form-trust-list { list-style: none; margin-top: 32px; display: flex; flex-direction: column; }\r\n.form-trust-list li { display: flex; gap: 13px; align-items: flex-start; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.07); font-size: 15px; color: rgba(255,255,255,.75); line-height: 1.6; }\r\n.form-trust-list li:last-child { border-bottom: none; }\r\n.ftp-icon { width: 26px; height: 26px; border-radius: 50%; background: rgba(0,194,95,.15); border: 1px solid rgba(0,194,95,.3); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }\r\n.ftp-icon svg { width: 12px; height: 12px; color: var(--g4); }\r\n.form-box { background: #fff; border-radius: var(--rl); padding: 44px; box-shadow: var(--shadow-lg); }\r\n.form-box-title { font-size: 24px; font-weight: 800; margin-bottom: 6px; }\r\n.form-box-sub { font-size: 14px; color: var(--muted); margin-bottom: 30px; }\r\n.field { margin-bottom: 17px; }\r\n.field label { display: block; font-size: 11px; font-weight: 800; color: var(--muted); text-transform: uppercase; letter-spacing: .09em; margin-bottom: 8px; }\r\n.field select, .field input { width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: 10px; font-size: 15px; font-family: 'Manrope', sans-serif; color: var(--text); background: #fff; transition: border-color .2s, box-shadow .2s; -webkit-appearance: none; appearance: none; }\r\n.field select:focus, .field input:focus { outline: none; border-color: var(--g3); box-shadow: 0 0 0 3px rgba(3,160,89,.11); }\r\n.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }\r\n.consent-check { display: flex; gap: 11px; align-items: flex-start; font-size: 13px; color: var(--muted); line-height: 1.65; margin-bottom: 22px; }\r\n.consent-check input { flex-shrink: 0; margin-top: 3px; accent-color: var(--g2); width: 16px; height: 16px; cursor: pointer; }\r\n.submit-btn { width: 100%; background: var(--g1); color: #fff; border: none; padding: 17px; border-radius: var(--rp); font-size: 16px; font-weight: 800; font-family: 'Manrope', sans-serif; cursor: pointer; transition: all .2s; }\r\n.submit-btn:hover { background: var(--g2); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(1,71,43,.3); }\r\n.form-disclaimer { font-size: 12px; color: var(--muted); margin-top: 13px; line-height: 1.65; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 WARNING BAR \u2500\u2500\u2500 *\/\r\n.warn-bar { background: #fffdf0; border-top: 1px solid #f0dc8c; border-bottom: 1px solid #f0dc8c; padding: 40px 0; }\r\n.warn-title { display: flex; align-items: center; gap: 9px; font-size: 14px; font-weight: 700; color: #7a5800; margin-bottom: 22px; }\r\n.warn-title svg { width: 19px; height: 19px; color: #b88000; flex-shrink: 0; }\r\n.warn-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }\r\n.warn-item { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: #7a5800; line-height: 1.58; }\r\n.warn-item svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; color: #b88000; }\r\n\r\n\/* \u2500\u2500\u2500 FOOTER \u2500\u2500\u2500 *\/\r\n.footer { background: #040f09; padding: 72px 0 36px; }\r\n.footer-grid { display: grid; grid-template-columns: 2.4fr 1fr 1fr 1fr; gap: 52px; margin-bottom: 60px; }\r\n.footer-brand-logo { display: flex; align-items: center; gap: 11px; margin-bottom: 18px; }\r\n.footer-brand-logo svg { width: 36px; height: 36px; }\r\n.footer-wordmark { font-size: 18px; font-weight: 800; color: #fff; }\r\n.footer-desc { font-size: 14px; color: #436055; line-height: 1.72; max-width: 310px; }\r\n.footer-col-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: #264d38; margin-bottom: 20px; }\r\n.footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }\r\n.footer-links a { font-size: 14px; color: #436055; transition: color .2s; }\r\n.footer-links a:hover { color: var(--g4); }\r\n.footer-bottom { border-top: 1px solid #0e1f15; padding-top: 28px; display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 16px; }\r\n.footer-legal { font-size: 13px; color: #264d38; line-height: 1.68; max-width: 700px; }\r\n.footer-copy { font-size: 13px; color: #264d38; white-space: nowrap; }\r\n\r\n\/* \u2500\u2500\u2500 SCROLL REVEAL \u2500\u2500\u2500 *\/\r\n.reveal { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }\r\n.reveal.visible { opacity: 1; transform: none; }\r\n.reveal-d1 { transition-delay: .1s; }\r\n.reveal-d2 { transition-delay: .2s; }\r\n.reveal-d3 { transition-delay: .3s; }\r\n.reveal-d4 { transition-delay: .4s; }\r\n\r\n\/* \u2500\u2500\u2500 RESPONSIVE \u2500\u2500\u2500 *\/\r\n@media (max-width: 1100px) {\r\n .sol-grid { grid-template-columns: repeat(2, 1fr); }\r\n .footer-grid { grid-template-columns: 1fr 1fr; }\r\n .warn-grid { grid-template-columns: repeat(2, 1fr); }\r\n .two-up { grid-template-columns: 1fr; gap: 16px; }\r\n .blog-layout { grid-template-columns: 1fr; }\r\n .blog-secondary { flex-direction: row; flex-wrap: wrap; }\r\n .blog-secondary .blog-card { flex: 1; min-width: 280px; }\r\n}\r\n@media (max-width: 900px) {\r\n .container, .container-sm { padding: 0 24px; }\r\n .section { padding: 72px 0; }\r\n .nav-links { display: none; }\r\n .hamburger { display: flex; }\r\n .hero-grid { grid-template-columns: 1fr; min-height: auto; }\r\n .hero-visual { display: none; }\r\n .hero-content { padding: 68px 0 60px; }\r\n .about-grid, .elig-grid, .form-grid { grid-template-columns: 1fr; }\r\n .about-img-wrap, .elig-img-col { display: none; }\r\n .how-grid { grid-template-columns: 1fr; }\r\n .tools-grid { grid-template-columns: 1fr; }\r\n}\r\n@media (max-width: 640px) {\r\n .container, .container-sm { padding: 0 18px; }\r\n .nav-inner { padding: 0 18px; }\r\n .section { padding: 56px 0; }\r\n .sol-grid { grid-template-columns: 1fr; }\r\n .field-row { grid-template-columns: 1fr; }\r\n .footer-grid { grid-template-columns: 1fr; }\r\n .warn-grid { grid-template-columns: 1fr; }\r\n .hero h1 { font-size: 30px; }\r\n .hero-desc { font-size: 16px; }\r\n .form-box { padding: 26px 20px; }\r\n .blog-secondary { flex-direction: column; }\r\n .blog-secondary .blog-card { flex-direction: row; }\r\n .stats-inner { flex-direction: column; }\r\n .stat-cell { border-right: none; border-bottom: 1px solid var(--cream2); }\r\n .stat-cell:last-child { border-bottom: none; }\r\n .faq-btn { padding: 18px 20px; font-size: 15px; }\r\n .faq-panel { padding: 0 20px 20px; }\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n\r\n<header class=\"nav\" id=\"mainNav\">\r\n <div class=\"nav-inner\">\r\n <a class=\"nav-logo\" href=\"#\">\r\n <svg class=\"nav-logo-icon\" viewBox=\"0 0 40 40\" fill=\"none\">\r\n <rect width=\"40\" height=\"40\" rx=\"11\" fill=\"#01472b\"\/>\r\n <path d=\"M12 26s3.5 4.5 8 4.5 8-4.5 8-4.5\" stroke=\"#00c25f\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\r\n <path d=\"M16 17s1.5-4.5 4-4.5 4 4.5 4 4.5\" stroke=\"#00c25f\" stroke-width=\"1.8\" stroke-linecap=\"round\" opacity=\".38\"\/>\r\n <circle cx=\"20\" cy=\"19.5\" r=\"5\" fill=\"#00c25f\"\/>\r\n <\/svg>\r\n <span class=\"nav-logo-text\">Go Debt Free<\/span>\r\n <\/a>\r\n <nav class=\"nav-links\">\r\n <a href=\"#solutions\">Solutions<\/a>\r\n <a href=\"#how-it-works\">How It Works<\/a>\r\n <a href=\"#compare\">Compare<\/a>\r\n <a href=\"#tools\">Tools<\/a>\r\n <a href=\"#guides\">Guides<\/a>\r\n <a href=\"#faq\">FAQs<\/a>\r\n <\/nav>\r\n <div class=\"nav-right\">\r\n <button class=\"nav-cta\" onclick=\"scrollTo('get-help')\">Check My Options<\/button>\r\n <button class=\"hamburger\" onclick=\"document.getElementById('mobMenu').classList.add('active')\" aria-label=\"Open menu\">\r\n <svg viewBox=\"0 0 26 26\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\">\r\n <line x1=\"3\" y1=\"7\" x2=\"23\" y2=\"7\"\/><line x1=\"3\" y1=\"13\" x2=\"23\" y2=\"13\"\/><line x1=\"3\" y1=\"19\" x2=\"23\" y2=\"19\"\/>\r\n <\/svg>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n<\/header>\r\n\r\n\r\n<div class=\"mob-menu\" id=\"mobMenu\">\r\n <div class=\"mob-menu-top\">\r\n <a class=\"nav-logo\" href=\"#\" style=\"display:flex;align-items:center;gap:10px\">\r\n <svg width=\"36\" height=\"36\" viewBox=\"0 0 40 40\" fill=\"none\"><rect width=\"40\" height=\"40\" rx=\"11\" fill=\"rgba(255,255,255,.1)\"\/><circle cx=\"20\" cy=\"19.5\" r=\"5\" fill=\"#00c25f\"\/><\/svg>\r\n <span style=\"color:#fff;font-size:16px;font-weight:800\">Go Debt Free<\/span>\r\n <\/a>\r\n <button class=\"mob-close\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">×<\/button>\r\n <\/div>\r\n <nav class=\"mob-nav\">\r\n <a href=\"#solutions\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Solutions<\/a>\r\n <a href=\"#how-it-works\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">How It Works<\/a>\r\n <a href=\"#compare\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Compare<\/a>\r\n <a href=\"#tools\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Tools<\/a>\r\n <a href=\"#guides\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Guides<\/a>\r\n <a href=\"#faq\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">FAQs<\/a>\r\n <\/nav>\r\n <a class=\"mob-cta-btn\" href=\"#get-help\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Check My Options<\/a>\r\n<\/div>\r\n\r\n\r\n<section class=\"hero\">\r\n <div class=\"hero-bg-glow\"><\/div>\r\n <div class=\"hero-grid\">\r\n <div class=\"hero-content\">\r\n <div class=\"hero-badge\">\r\n <span class=\"badge-pulse\"><\/span>\r\n Specialist UK Debt Solutions Platform\r\n <\/div>\r\n <h1>\r\n Struggling with debt?\r\n <em>You have more options than you think.<\/em>\r\n <\/h1>\r\n <p class=\"hero-desc\">Millions of people across England and Wales are dealing with unmanageable debt. Go Debt Free gives you clear, honest, and impartial information about every structured debt solution available under UK law \u2014 so you can make the right decision, at your own pace.<\/p>\r\n\r\n \r\n <div class=\"hero-quick-check\">\r\n <div class=\"hqc-label\">Quick check \u2014 what best describes your situation?<\/div>\r\n <div class=\"hqc-options\">\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">Under \u00a310,000<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">\u00a310k to \u00a325k<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">\u00a325k to \u00a350k<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">Over \u00a350k<\/button>\r\n <\/div>\r\n <button class=\"hqc-cta\" onclick=\"scrollTo('get-help')\">See which solutions may apply \u2192<\/button>\r\n <\/div>\r\n\r\n <div class=\"hero-trust\">\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n No credit check required\r\n <\/span>\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n FCA-authorised introductions only\r\n <\/span>\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n No obligation, ever\r\n <\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"hero-visual\">\r\n <img decoding=\"async\" class=\"hero-photo\" src=\"https:\/\/images.unsplash.com\/photo-1573497620053-ea5300f94f21?w=900&q=85\" alt=\"Person finding financial clarity and peace of mind\">\r\n <div class=\"hero-photo-overlay\"><\/div>\r\n <div class=\"hero-float hf1\">\r\n <div class=\"hf-label\">Solutions we cover<\/div>\r\n <div class=\"hf-value\">4 pathways<\/div>\r\n <div class=\"hf-sub\">IVA \u00b7 DMP \u00b7 DRO \u00b7 Bankruptcy<\/div>\r\n <\/div>\r\n <div class=\"hero-float hf2\">\r\n <div class=\"hf2-row\">\r\n <div class=\"hf2-icon\">\r\n <svg viewBox=\"0 0 18 18\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"9\" cy=\"9\" r=\"7\"\/><polyline points=\"6 9 8.5 11.5 13 6.5\"\/><\/svg>\r\n <\/div>\r\n <div>\r\n <div class=\"hf2-title\">FCA Partners Only<\/div>\r\n <div class=\"hf2-sub\">Regulated introductions guaranteed<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<div class=\"stats-bar\">\r\n <div class=\"stats-inner\">\r\n <div class=\"stat-cell reveal\">\r\n <div class=\"stat-num\">8.9M<\/div>\r\n <div class=\"stat-label\">UK adults currently<br>dealing with problem debt<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d1\">\r\n <div class=\"stat-num\">\u00a330k<\/div>\r\n <div class=\"stat-label\">Average unsecured debt<br>per household in the UK<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d2\">\r\n <div class=\"stat-num\">4<\/div>\r\n <div class=\"stat-label\">Formal debt solutions<br>available in England and Wales<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d3\">\r\n <div class=\"stat-num\">60s<\/div>\r\n <div class=\"stat-label\">To complete our eligibility<br>check with no credit impact<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n\r\n<section class=\"section\">\r\n <div class=\"container\">\r\n <div class=\"about-grid\">\r\n <div class=\"about-img-wrap reveal\">\r\n <img decoding=\"async\" class=\"about-img\" src=\"https:\/\/images.unsplash.com\/photo-1560472354-b33ff0c44a43?w=700&q=85\" alt=\"Trustworthy debt solutions information\">\r\n <div class=\"about-badge\">\r\n <div class=\"ab-label\">Our commitment to you<\/div>\r\n <div class=\"ab-value\">No advice. Just clarity.<\/div>\r\n <div class=\"ab-sub\">Introductions to FCA-regulated specialists only<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Who we are<\/div>\r\n <h2 class=\"heading-lg\">Your debt. <span>Your decision.<\/span><br>Our job is to inform.<\/h2>\r\n <p class=\"body-lg\">Go Debt Free is a specialist UK platform that helps people understand the structured debt solutions available under UK law. We are not a financial advisor \u2014 we do not tell you what to do. But we make sure you have the knowledge, the tools, and the right introduction to make the best decision for your circumstances.<\/p>\r\n <div class=\"about-list\">\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"11\" cy=\"11\" r=\"9\"\/><polyline points=\"8 11 10.5 13.5 14.5 8.5\"\/><\/svg><\/div>\r\n <div>\r\n <h4>Completely impartial information<\/h4>\r\n <p>We cover all four UK debt solutions equally \u2014 no vested interest, no agenda. Just honest information about every option available to you.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M13 2H7a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h11a2 2 0 0 0 2-2V9z\"\/><polyline points=\"13 2 13 9 20 9\"\/><line x1=\"8\" y1=\"13\" x2=\"16\" y2=\"13\"\/><line x1=\"8\" y1=\"17\" x2=\"13\" y2=\"17\"\/><\/svg><\/div>\r\n <div>\r\n <h4>In-depth, jargon-free guides<\/h4>\r\n <p>Our articles and comparison resources are written for real people \u2014 not financial professionals. Plain English throughout, with no watered-down content.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H7a4 4 0 0 0-4 4v2\"\/><circle cx=\"10\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M17 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div>\r\n <div>\r\n <h4>Regulated introductions when you are ready<\/h4>\r\n <p>If you choose to proceed, we introduce you exclusively to FCA-authorised debt solutions providers. The decision about whether to act is entirely yours.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"solutions\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Debt solutions explained<\/div>\r\n <h2 class=\"heading-lg\">Every UK debt solution, <span>clearly explained<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">There is no universal answer to debt. The right path depends entirely on your income, your assets, the type of debt you hold, and your long-term goals. Here is every option available under current UK law.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"sol-grid\">\r\n \r\n <div class=\"sol-card reveal\">\r\n <div class=\"sol-card-bar\" style=\"background:#007f59\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#e3f5eb\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#007f59\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2H7a2 2 0 0 0-2 2v17a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"8\" y1=\"13\" x2=\"17\" y2=\"13\"\/><line x1=\"8\" y1=\"17\" x2=\"14\" y2=\"17\"\/><\/svg><\/div>\r\n <h3>IVA<\/h3>\r\n <div class=\"sol-abbr\">Individual Voluntary Arrangement<\/div>\r\n <p>A legally binding agreement between you and your unsecured creditors to repay a portion of what you owe over five to six years. Interest and charges are frozen from the moment your IVA is approved. At the end of the agreed term, any remaining eligible debt is legally written off \u2014 provided you have met your obligations throughout.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#e3f5eb;color:#1b5930\">Formal \u00b7 5 to 6 years<\/span>\r\n <div class=\"sol-more\" style=\"color:#007f59\">Read the full IVA guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d1\">\r\n <div class=\"sol-card-bar\" style=\"background:#1B5FA8\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#e4eef9\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#1B5FA8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"2\" y=\"4\" width=\"21\" height=\"15\" rx=\"2\"\/><path d=\"M8 23h9M12.5 19v4\"\/><line x1=\"6\" y1=\"12\" x2=\"10\" y2=\"12\"\/><line x1=\"6\" y1=\"16\" x2=\"19\" y2=\"16\"\/><\/svg><\/div>\r\n <h3>DMP<\/h3>\r\n <div class=\"sol-abbr\">Debt Management Plan<\/div>\r\n <p>An informal arrangement where your debts are consolidated into a single, affordable monthly payment, which is then distributed among your creditors. There is no court involvement and no legal obligation on creditors to accept the plan. Because you repay the full balance owed, a DMP typically runs for longer than an IVA, but it offers considerably more flexibility.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#e4eef9;color:#1a4278\">Informal \u00b7 Flexible duration<\/span>\r\n <div class=\"sol-more\" style=\"color:#1B5FA8\">Read the full DMP guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d2\">\r\n <div class=\"sol-card-bar\" style=\"background:#8a5209\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#faebd8\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#8a5209\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12.5\" cy=\"12.5\" r=\"10\"\/><line x1=\"12.5\" y1=\"8.5\" x2=\"12.5\" y2=\"13\"\/><circle cx=\"12.5\" cy=\"16.5\" r=\".5\" fill=\"#8a5209\"\/><\/svg><\/div>\r\n <h3>DRO<\/h3>\r\n <div class=\"sol-abbr\">Debt Relief Order<\/div>\r\n <p>Designed specifically for people with low income, minimal assets, and total unsecured debts below \u00a330,000. Once a DRO is granted, enforcement of all listed debts is paused for 12 months. If your financial situation has not materially improved by the end of that period, every included debt is legally written off in full \u2014 at a government-set application cost of just \u00a390.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#faebd8;color:#6b3e08\">Low income \u00b7 12 months<\/span>\r\n <div class=\"sol-more\" style=\"color:#8a5209\">Read the full DRO guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d3\">\r\n <div class=\"sol-card-bar\" style=\"background:#a12020\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#fce9e9\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#a12020\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 7h19M3 12.5h19M3 18h19\"\/><rect x=\"8.5\" y=\"2\" width=\"8\" height=\"21\" rx=\"1\"\/><\/svg><\/div>\r\n <h3>Bankruptcy<\/h3>\r\n <div class=\"sol-abbr\">Court-administered insolvency<\/div>\r\n <p>A formal legal process, administered through the courts, for clearing debts that you have no realistic prospect of repaying. The bankruptcy period typically lasts 12 months, after which remaining unsecured debts are discharged. However, it carries significant and long-lasting consequences \u2014 for property, assets, credit rating, and certain types of employment \u2014 which must be understood fully before proceeding.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#fce9e9;color:#7a1e1e\">Legal process \u00b7 Lasting impact<\/span>\r\n <div class=\"sol-more\" style=\"color:#a12020\">Read the bankruptcy guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-dark\" id=\"how-it-works\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow eyebrow-light\"><span class=\"eyebrow-dot\"><\/span>Our process<\/div>\r\n <h2 class=\"heading-lg heading-light\">How Go Debt Free <span>actually works<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg body-lg-light\">We are a platform and an introducer \u2014 not an advisor. We give you the knowledge to understand your position clearly, then connect you with a regulated specialist if and when you are ready. No pressure. No agenda.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"how-grid\">\r\n <div class=\"how-step reveal\">\r\n <div class=\"how-step-num\">01<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?w=500&q=80\" alt=\"Research and understand your debt options\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><line x1=\"23\" y1=\"23\" x2=\"18\" y2=\"18\"\/><\/svg><\/div>\r\n <h3>Understand your situation<\/h3>\r\n <p>Use our in-depth guides, comparison tools, and articles to learn what each solution actually means in practice \u2014 the duration, the legal implications, the impact on your credit file, your assets, and your day-to-day life. Take as long as you need, with no pressure from anyone.<\/p>\r\n <\/div>\r\n <div class=\"how-step reveal reveal-d1\">\r\n <div class=\"how-step-num\">02<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1484480974693-6ca0a78fb36b?w=500&q=80\" alt=\"Use our eligibility checker\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M10 12l3 3.5L22 5\"\/><path d=\"M22 13.5v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h12\"\/><\/svg><\/div>\r\n <h3>Use our eligibility checker<\/h3>\r\n <p>Answer eight straightforward questions about your income, debts, employment, and assets. Our tool provides an immediate initial indication of which solutions you may qualify for \u2014 with absolutely no impact on your credit score and no data shared with any third party at this stage.<\/p>\r\n <\/div>\r\n <div class=\"how-step reveal reveal-d2\">\r\n <div class=\"how-step-num\">03<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1521791136064-7986c2920216?w=500&q=80\" alt=\"Speak to a regulated debt specialist\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 21v-2a4 4 0 0 0-4-4H7a4 4 0 0 0-4 4v2\"\/><circle cx=\"10.5\" cy=\"8\" r=\"4\"\/><path d=\"M24 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M17 4.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div>\r\n <h3>Speak to a regulated specialist<\/h3>\r\n <p>If you choose to proceed, we introduce you to an FCA-authorised debt solutions provider. They carry out a thorough, personalised assessment of your financial situation and explain every available option in plain English. What you do next is entirely your decision \u2014 there is never any obligation.<\/p>\r\n <\/div>\r\n <\/div>\r\n <p class=\"how-footnote\">Go Debt Free is not FCA-authorised and does not provide financial advice. We act solely as an introducer and may receive a referral fee.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\">\r\n <div class=\"container\">\r\n <div class=\"elig-grid\">\r\n <div class=\"elig-img-col reveal\">\r\n <img decoding=\"async\" class=\"elig-img\" src=\"https:\/\/images.unsplash.com\/photo-1616486338812-3dadae4b4ace?w=700&q=85\" alt=\"Person reviewing financial paperwork at home\">\r\n <div class=\"elig-badge-chip\">\r\n <div class=\"ebc-val\">60 seconds<\/div>\r\n <div class=\"ebc-label\">To check your eligibility<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Am I eligible?<\/div>\r\n <h2 class=\"heading-lg\">You may benefit from exploring options if...<\/h2>\r\n <p class=\"body-lg\">These are common indicators that a structured debt solution could be relevant to your situation. A regulated provider will always conduct a thorough assessment before recommending anything.<\/p>\r\n <div class=\"elig-items\">\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>You are falling behind on monthly repayments<\/h4>\r\n <p>Missing payments regularly, using credit to service credit, or relying on overdrafts month to month are all clear signs that your current situation is unsustainable without intervention.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>Your debts are primarily unsecured<\/h4>\r\n <p>Credit cards, personal loans, store cards, payday loans, and overdrafts are covered by most formal debt solutions. Secured debts such as mortgages are generally treated separately.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>You are based in England, Wales, or Northern Ireland<\/h4>\r\n <p>IVA, DMP, DRO, and Bankruptcy are the primary solutions available in these regions. Scotland operates under different insolvency legislation \u2014 speak to a Scottish debt specialist if you are based there.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>Your total unsecured debt is \u00a35,000 or more<\/h4>\r\n <p>Most formal solutions have a minimum threshold. Eligibility for each solution also depends on the number of creditors, the type of debt, and your monthly income after essential outgoings.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <p class=\"elig-caveat\">This information is a guide only and is not a guarantee of eligibility. Final eligibility is always assessed by a regulated, FCA-authorised provider following a thorough personal financial review.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"compare\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Side by side comparison<\/div>\r\n <h2 class=\"heading-lg\">IVA vs DMP vs DRO vs Bankruptcy <span>\u2014 the full breakdown<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">Not all debt solutions work the same way. This table compares each option across every factor that matters \u2014 from duration and costs, to legal standing, asset protection, and long-term impact on your life.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"cmp-wrapper reveal\">\r\n <table class=\"cmp-table\">\r\n <thead>\r\n <tr>\r\n <th class=\"th-row-label\">Factor<\/th>\r\n <th><div class=\"th-solution\">IVA<span>Individual Voluntary Arrangement<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">DMP<span>Debt Management Plan<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">DRO<span>Debt Relief Order<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">Bankruptcy<span>Court insolvency procedure<\/span><\/div><\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td>Type<\/td>\r\n <td>Formal and legally binding<\/td>\r\n <td>Informal and non-binding<\/td>\r\n <td>Formal and legally binding<\/td>\r\n <td>Formal court procedure<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Duration<\/td>\r\n <td>Typically 5 to 6 years<\/td>\r\n <td>Varies \u2014 often 5 to 10 years depending on balance<\/td>\r\n <td>12 months (moratorium period)<\/td>\r\n <td>Usually 12 months (though some restrictions last longer)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Minimum debt<\/td>\r\n <td>Typically \u00a36,000 across at least two creditors<\/td>\r\n <td>No formal minimum required<\/td>\r\n <td>Total debt must be under \u00a330,000<\/td>\r\n <td>No minimum, though court fees of \u00a3680 apply<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Income required?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 regular income is required to fund contributions<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 regular income needed for payments<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Low income only \u2014 surplus must be under \u00a350 per month<\/span><\/td>\r\n <td><span class=\"cmp-mid\">No income requirement, but assets will be assessed and may be realised<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Asset protection<\/td>\r\n <td><span class=\"cmp-mid\">Home equity may need to be released in year 5 \u2014 this is assessed individually<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Assets are generally unaffected throughout a DMP<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Assets must be valued under \u00a32,000 to qualify<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Property and valuables can be seized by the Official Receiver<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Debt written off?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 remaining eligible balance is written off upon successful completion<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>No \u2014 the full balance must be repaid, though creditors often freeze interest<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 all listed debts are discharged after 12 months<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 remaining unsecured debts are discharged after 12 months<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Credit file impact<\/td>\r\n <td>Recorded for 6 years from the date of registration<\/td>\r\n <td>Defaults are recorded \u2014 can remain 6 years from default date<\/td>\r\n <td>Recorded for 6 years from the date of registration<\/td>\r\n <td>Recorded for 6 years from the adjudication date<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Creditor contact halted?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 creditors are legally prevented from contacting you once approved<\/span><\/td>\r\n <td><span class=\"cmp-mid\">Often informal \u2014 creditors may still contact you as there is no legal obligation<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 a legal moratorium prevents creditor action<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 court protection stops all enforcement action<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Employment impact<\/td>\r\n <td><span class=\"cmp-mid\">Some regulated professions (financial services, law) may be affected \u2014 check your contract<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Generally no employment impact for most roles<\/span><\/td>\r\n <td><span class=\"cmp-mid\">May restrict some roles \u2014 check your employment contract and professional body guidance<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Significant restrictions apply in many professional and public sector roles<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Fees<\/td>\r\n <td>Yes \u2014 Insolvency Practitioner fees are deducted from your monthly contributions (not paid upfront)<\/td>\r\n <td>Minimal \u2014 some providers charge a small monthly administration fee<\/td>\r\n <td>\u00a390 government-set application fee \u2014 no additional charges<\/td>\r\n <td>\u00a3680 government-set court fee \u2014 payable before the petition is lodged<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Interest frozen?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 interest and charges are frozen as soon as the IVA is approved<\/span><\/td>\r\n <td><span class=\"cmp-mid\">Often \u2014 depends on individual creditor cooperation, not guaranteed<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 interest ceases during the 12-month moratorium period<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 all enforcement and interest stops from the point of application<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Public record?<\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed publicly on the Individual Insolvency Register<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>No \u2014 there is no public record of a DMP<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed on the Individual Insolvency Register<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed on the Individual Insolvency Register<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Suitable for homeowners?<\/td>\r\n <td><span class=\"cmp-mid\">Possible \u2014 but equity release clause in year 5 must be understood before proceeding<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 a DMP does not directly affect your property<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>No \u2014 homeowners typically cannot qualify for a DRO<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Not recommended \u2014 your home may be at serious risk<\/span><\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <p class=\"cmp-footer\">Source: Insolvency Service UK and Money Helper. For general guidance only \u2014 not a substitute for regulated professional assessment.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\" id=\"tools\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Practical tools<\/div>\r\n <h2 class=\"heading-lg\">Understand where you stand <span>before speaking to anyone<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">Our tools give you a genuinely clear picture of your financial situation \u2014 privately, at your own pace, with no personal data shared and no commitment of any kind until you are ready.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tools-grid\">\r\n <div class=\"tool-card reveal\">\r\n <div class=\"tool-tag\">Most used<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g1)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M11 14l3.5 3.5L23 7\"\/><path d=\"M22 15v7a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h12\"\/><\/svg><\/div>\r\n <h3>Eligibility Checker<\/h3>\r\n <p>Answer eight straightforward questions about your debts, income, employment status, and assets. The tool gives you an instant initial indication of which solutions you may qualify for \u2014 with no impact on your credit score and no data shared with any third party at this stage.<\/p>\r\n <button class=\"btn btn-dark\">Start the checker <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <div class=\"tool-card reveal reveal-d1\">\r\n <div class=\"tool-tag\">Highly recommended<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g2)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"3\" width=\"23\" height=\"23\" rx=\"3\"\/><line x1=\"8\" y1=\"15\" x2=\"13\" y2=\"15\"\/><line x1=\"8\" y1=\"19\" x2=\"20\" y2=\"19\"\/><line x1=\"8\" y1=\"11\" x2=\"11\" y2=\"11\"\/><path d=\"M21 8l-3 10\"\/><\/svg><\/div>\r\n <h3>Monthly Budget Calculator<\/h3>\r\n <p>Map your total monthly income against every outgoing \u2014 household bills, food, transport, childcare, and all debt repayments. The calculator shows you exactly how much disposable income you actually have each month, which is a critical factor in determining eligibility for most formal debt solutions.<\/p>\r\n <button class=\"btn btn-dark\" style=\"background:var(--g2)\">Open calculator <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <div class=\"tool-card reveal reveal-d2\">\r\n <div class=\"tool-tag\">Know your numbers<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g3)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"14.5\" cy=\"14.5\" r=\"11.5\"\/><polyline points=\"14.5 9 14.5 14.5 19 17.5\"\/><\/svg><\/div>\r\n <h3>Debt Breakdown Tool<\/h3>\r\n <p>Enter each individual debt \u2014 the lender name, current balance, interest rate, and minimum monthly payment. The tool calculates your total owed across all creditors, the total interest you are being charged each month, and how many years it would realistically take to clear everything at your current pace.<\/p>\r\n <button class=\"btn btn-dark\" style=\"background:var(--g3)\">Break it down <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"guides\">\r\n <div class=\"container\">\r\n <div style=\"display:flex;align-items:flex-end;justify-content:space-between;flex-wrap:wrap;gap:24px;margin-bottom:56px\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Knowledge hub<\/div>\r\n <h2 class=\"heading-lg\" style=\"margin-bottom:0\">Guides, insights and updates <span>from Go Debt Free<\/span><\/h2>\r\n <\/div>\r\n <a class=\"btn btn-outline-green reveal\" href=\"#\">Browse all guides <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/a>\r\n <\/div>\r\n\r\n <div class=\"blog-layout\">\r\n \r\n <div class=\"blog-featured reveal\">\r\n <div class=\"blog-card\" style=\"height:100%\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" style=\"height:280px\" src=\"https:\/\/images.unsplash.com\/photo-1450101499163-c8848c66ca85?w=900&q=80\" alt=\"IVA eligibility UK guide 2025\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-iva\">IVA<\/span>\r\n <h3>Who qualifies for an IVA in the UK? A complete 2025 eligibility guide<\/h3>\r\n <p>An Individual Voluntary Arrangement is one of the most commonly used formal debt solutions in England and Wales \u2014 but it is far from suitable for everyone. This comprehensive guide breaks down the income thresholds, asset considerations, creditor voting rules, and minimum debt requirements you must understand before approaching an insolvency practitioner.<\/p>\r\n <div class=\"blog-meta\"><span>9 min read<\/span><span class=\"blog-dot\"><\/span><span>IVA Eligibility<\/span><span class=\"blog-dot\"><\/span><span>Updated April 2025<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read the full guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"blog-secondary\">\r\n <div class=\"blog-card reveal reveal-d1\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1579621970563-ebec7560ff3e?w=400&q=80\" alt=\"Credit score impact IVA\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-edu\">Education<\/span>\r\n <h3>How does an IVA affect your credit score \u2014 and for how long?<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>6 min read<\/span><span class=\"blog-dot\"><\/span><span>Credit<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d2\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1600880292203-757bb62b4baf?w=400&q=80\" alt=\"Self employed IVA\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-guide\">Guide<\/span>\r\n <h3>Self-employed and struggling with debt? Your options explained<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>7 min read<\/span><span class=\"blog-dot\"><\/span><span>Self-Employed<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d3\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1560472354-b33ff0c44a43?w=400&q=80\" alt=\"IVA and renting\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-life\">Life Impact<\/span>\r\n <h3>IVA and renting: what landlords actually see on a credit check<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>5 min read<\/span><span class=\"blog-dot\"><\/span><span>Life After IVA<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px\" class=\"blog-row-2\">\r\n <div class=\"blog-card reveal\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1521791136064-7986c2920216?w=600&q=80\" alt=\"IVA vs DMP comparison\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-cmp\">Comparison<\/span>\r\n <h3>IVA vs Debt Management Plan \u2014 which is right for you?<\/h3>\r\n <p>Formal versus informal. Legally binding versus flexible. Debt write-off versus full repayment. This comparison lays out the critical differences between the two most popular debt solutions in the UK \u2014 with real-world scenarios.<\/p>\r\n <div class=\"blog-meta\"><span>8 min read<\/span><span class=\"blog-dot\"><\/span><span>Comparisons<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d1\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1616486338812-3dadae4b4ace?w=600&q=80\" alt=\"After IVA completes credit rebuild\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-edu\">Education<\/span>\r\n <h3>Life after an IVA \u2014 how to rebuild your credit score step by step<\/h3>\r\n <p>Many people are surprised by how quickly their financial situation can improve after completing an IVA. This guide explains the credit rebuild timeline, what lenders look for, and practical steps you can take from day one.<\/p>\r\n <div class=\"blog-meta\"><span>6 min read<\/span><span class=\"blog-dot\"><\/span><span>Post IVA<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d2\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?w=600&q=80\" alt=\"DRO eligibility UK guide\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-guide\">DRO Guide<\/span>\r\n <h3>Who qualifies for a Debt Relief Order in 2025? The full criteria<\/h3>\r\n <p>The DRO threshold was raised to \u00a330,000 in 2024. This guide explains the updated eligibility rules, the assets test, the income surplus limit, and which types of debt are included \u2014 and excluded.<\/p>\r\n <div class=\"blog-meta\"><span>7 min read<\/span><span class=\"blog-dot\"><\/span><span>DRO<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-more-row reveal\">\r\n <a class=\"btn btn-outline-green\" href=\"#\">View all guides and articles <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\" id=\"faq\">\r\n <div class=\"container-sm\">\r\n <div style=\"text-align:center\" class=\"reveal\">\r\n <div class=\"eyebrow\" style=\"display:inline-flex;margin-bottom:18px\"><span class=\"eyebrow-dot\"><\/span>Common questions<\/div>\r\n <h2 class=\"heading-lg\">Frequently asked questions<\/h2>\r\n <p class=\"body-lg\" style=\"margin:0 auto\">Everything you want to know before taking the next step \u2014 answered clearly, in plain English, without any jargon.<\/p>\r\n <\/div>\r\n <div class=\"faq-wrap\">\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Will checking my eligibility affect my credit score?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">No. Checking your eligibility through Go Debt Free involves no credit search whatsoever and will have absolutely no impact on your credit score. Any formal credit checks would only be conducted at a later stage, by a regulated provider, and only with your explicit knowledge and consent before proceeding.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Is Go Debt Free regulated by the FCA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">Go Debt Free is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice or personal debt recommendations. We operate as an introducer service \u2014 connecting individuals with FCA-authorised debt solutions firms who hold the appropriate regulatory permissions to provide regulated advice. We are fully transparent about this distinction at every point of contact.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n How long does an IVA stay on my credit file?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA is recorded on your credit file for six years from the date it was registered \u2014 regardless of whether the IVA itself is completed earlier than that. During this period, it will be visible to lenders who carry out credit searches. That said, many people successfully begin rebuilding their credit profile well before the six years are up, and a completed IVA is generally viewed more favourably by lenders than one that is still active or failed.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Can I get an IVA if I am self-employed?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">Yes \u2014 self-employed individuals can apply for an IVA. However, the process is typically more complex because irregular or variable income must be evidenced and averaged over a period to calculate your monthly contribution. Your insolvency practitioner will work with you to present your income fairly to creditors. Whether self-employment income qualifies depends on the nature of your work and what you can demonstrate as a reliable monthly surplus. A regulated specialist is best placed to assess this individually.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Which debts are covered by an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA can cover most unsecured debts \u2014 including credit cards, personal loans, store cards, catalogue accounts, overdrafts, payday loans, and money owed informally to friends or family. It cannot cover secured debts (such as mortgages or secured loans), student loans, child maintenance arrears, court fines, or certain HMRC tax debts. Your insolvency practitioner will confirm exactly which of your debts can be included when drafting your proposal.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Will my employer find out that I have an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA is recorded on the publicly searchable Individual Insolvency Register. Your employer is not contacted or notified directly, but if they choose to search the register, they could find the entry. For most people in standard employment, an IVA has no practical impact on their job. However, roles in financial services, legal professions, accountancy, or positions with fiduciary duties may be affected \u2014 either through your employment contract or your professional body's conduct rules. It is strongly advisable to review your contract and seek guidance before proceeding.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n What is the key difference between a DMP and an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">The two most important distinctions are legal status and debt write-off. A DMP is informal \u2014 creditors are under no legal obligation to accept the terms, and you will repay every pound you owe (though they will often agree to freeze interest). An IVA is a legally binding agreement \u2014 once approved by the required majority of creditors, all parties are bound by its terms, and any remaining eligible balance is written off at the end of the agreed term. An IVA will generally leave a greater mark on your credit profile, but it provides legal certainty and debt relief that a DMP simply cannot offer. The right choice depends entirely on your individual circumstances.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"form-section section\" id=\"get-help\">\r\n <div class=\"container\">\r\n <div class=\"form-grid\">\r\n <div>\r\n <div class=\"eyebrow eyebrow-light\"><span class=\"eyebrow-dot\"><\/span>Check your eligibility<\/div>\r\n <h2 class=\"heading-lg heading-light\">Find out which solutions <span>may apply to you<\/span><\/h2>\r\n <p class=\"body-lg body-lg-light\">It takes under 60 seconds. There is no impact on your credit score, no commitment to proceed, and no obligation whatsoever after submitting your details.<\/p>\r\n <ul class=\"form-trust-list\">\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>No impact on your credit score to enquire<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Introductions made exclusively to FCA-authorised firms<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Absolutely no obligation to proceed at any stage<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Your details are handled with complete confidentiality<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>We never sell your data to third parties<\/li>\r\n <\/ul>\r\n <\/div>\r\n <div>\r\n <div class=\"form-box\">\r\n <h3 class=\"form-box-title\">Check my eligibility<\/h3>\r\n <p class=\"form-box-sub\">Quick, confidential, and no obligation at all.<\/p>\r\n <div class=\"field\">\r\n <label>Total unsecured debt<\/label>\r\n <select required>\r\n <option value=\"\">Please select a range<\/option>\r\n <option>Under \u00a35,000<\/option>\r\n <option>\u00a35,000 to \u00a310,000<\/option>\r\n <option>\u00a310,000 to \u00a325,000<\/option>\r\n <option>\u00a325,000 to \u00a350,000<\/option>\r\n <option>Over \u00a350,000<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field\">\r\n <label>Employment status<\/label>\r\n <select required>\r\n <option value=\"\">Please select your status<\/option>\r\n <option>Employed full-time<\/option>\r\n <option>Employed part-time<\/option>\r\n <option>Self-employed<\/option>\r\n <option>Receiving benefits<\/option>\r\n <option>Unemployed<\/option>\r\n <option>Retired<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field-row\">\r\n <div class=\"field\"><label>First name<\/label><input type=\"text\" placeholder=\"Jane\" required><\/div>\r\n <div class=\"field\"><label>Postcode<\/label><input type=\"text\" placeholder=\"SW1A 1AA\" required><\/div>\r\n <\/div>\r\n <div class=\"field\"><label>Phone number<\/label><input type=\"tel\" placeholder=\"07700 000 000\" required><\/div>\r\n <div class=\"field\"><label>Email address<\/label><input type=\"email\" placeholder=\"you@example.com\" required><\/div>\r\n <div class=\"consent-check\">\r\n <input type=\"checkbox\" id=\"consent\" required>\r\n <label for=\"consent\">I understand that Go Debt Free is an introducer service and I consent to being contacted by an FCA-authorised debt solutions provider to discuss my options in detail.<\/label>\r\n <\/div>\r\n <button class=\"submit-btn\">Submit my enquiry<\/button>\r\n <p class=\"form-disclaimer\">Go Debt Free may receive a referral fee for introductions. This does not affect the quality or independence of the service you receive from a regulated firm.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<div class=\"warn-bar\">\r\n <div class=\"container\">\r\n <div class=\"warn-title\">\r\n <svg viewBox=\"0 0 19 19\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9.5 2L1 17h17L9.5 2z\"\/><line x1=\"9.5\" y1=\"10\" x2=\"9.5\" y2=\"13\"\/><circle cx=\"9.5\" cy=\"15.5\" r=\".5\" fill=\"currentColor\"\/><\/svg>\r\n Important information \u2014 please read before proceeding\r\n <\/div>\r\n <div class=\"warn-grid\">\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Debt solutions may have a significant negative impact on your credit rating for up to six years<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>They may affect your ability to obtain credit, a mortgage, or certain financial products in future<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Some arrangements can affect certain types of employment or professional regulatory standing<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Fees may be payable in connection with formal debt solutions such as an IVA or Bankruptcy<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n\r\n<footer class=\"footer\">\r\n <div class=\"container\">\r\n <div class=\"footer-grid\">\r\n <div>\r\n <div class=\"footer-brand-logo\">\r\n <svg viewBox=\"0 0 36 36\" fill=\"none\">\r\n <rect width=\"36\" height=\"36\" rx=\"10\" fill=\"#01472b\"\/>\r\n <path d=\"M10 23s3.5 4.2 8 4.2 8-4.2 8-4.2\" stroke=\"#00c25f\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\r\n <circle cx=\"18\" cy=\"17\" r=\"4.5\" fill=\"#00c25f\"\/>\r\n <\/svg>\r\n <span class=\"footer-wordmark\">Go Debt Free<\/span>\r\n <\/div>\r\n <p class=\"footer-desc\">A specialist UK platform providing clear, impartial information about every debt solution available in England and Wales. We are not FCA-authorised and do not provide financial advice. 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Explore your options with confidence.\">\r\n<meta name=\"keywords\" content=\"IVA UK, debt management plan UK, debt relief order, bankruptcy UK, debt solutions UK, IVA eligibility 2025\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\r\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin>\r\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@300;400;500;600;700;800;900&display=swap\" rel=\"stylesheet\">\r\n<style>\r\n\/* \u2500\u2500\u2500 DESIGN TOKENS \u2500\u2500\u2500 *\/\r\n:root {\r\n --g1: #01472b;\r\n --g2: #007f59;\r\n --g3: #03a059;\r\n --g4: #00c25f;\r\n --g5: #00d96b;\r\n --cream: #f4f0e5;\r\n --cream2: #ece8d9;\r\n --white: #ffffff;\r\n --text: #0c1d14;\r\n --muted: #526659;\r\n --light: #e6f2eb;\r\n --border: #d8e6de;\r\n --r: 12px;\r\n --rl: 18px;\r\n --rp: 999px;\r\n --shadow: 0 2px 16px rgba(1,71,43,.07);\r\n --shadow-lg: 0 10px 48px rgba(1,71,43,.13);\r\n}\r\n\r\n\/* \u2500\u2500\u2500 RESET \u2500\u2500\u2500 *\/\r\n*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\r\nhtml { scroll-behavior: smooth; font-size: 16px; }\r\nbody { font-family: 'Manrope', sans-serif; color: var(--text); background: #fff; -webkit-font-smoothing: antialiased; overflow-x: hidden; }\r\nimg { display: block; max-width: 100%; }\r\na { text-decoration: none; color: inherit; }\r\nbutton, input, select { font-family: 'Manrope', sans-serif; }\r\n\r\n\/* \u2500\u2500\u2500 LAYOUT \u2500\u2500\u2500 *\/\r\n.container { max-width: 1300px; margin: 0 auto; padding: 0 40px; }\r\n.container-sm { max-width: 900px; margin: 0 auto; padding: 0 40px; }\r\n.section { padding: 100px 0; }\r\n.section-sm { padding: 72px 0; }\r\n.section-alt { background: var(--cream); }\r\n.section-dark { background: var(--g1); }\r\n\r\n\/* \u2500\u2500\u2500 EYEBROW \u2500\u2500\u2500 *\/\r\n.eyebrow {\r\n display: inline-flex; align-items: center; gap: 8px;\r\n font-size: 11px; font-weight: 700; letter-spacing: .11em; text-transform: uppercase;\r\n color: var(--g3); background: rgba(3,160,89,.08); 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border-radius: 50%; background: var(--g4); flex-shrink: 0; animation: pulse 2.4s ease infinite; }\r\n@keyframes pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: .5; transform: scale(1.5); } }\r\n.hero h1 { font-size: clamp(32px, 4.8vw, 62px); font-weight: 900; line-height: 1.08; letter-spacing: -1.2px; color: #fff; margin-bottom: 24px; }\r\n.hero h1 em { font-style: normal; color: var(--g4); display: block; }\r\n.hero-desc { font-size: 18px; color: rgba(255,255,255,.68); line-height: 1.72; max-width: 490px; margin-bottom: 38px; }\r\n.hero-cta-row { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }\r\n\r\n\/* Hero quick check widget *\/\r\n.hero-quick-check {\r\n background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);\r\n border-radius: var(--rl); padding: 22px 24px; max-width: 490px; margin-bottom: 36px;\r\n}\r\n.hqc-label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.45); margin-bottom: 14px; }\r\n.hqc-options { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 16px; }\r\n.hqc-opt {\r\n background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16);\r\n color: rgba(255,255,255,.75); font-size: 13px; font-weight: 600;\r\n padding: 8px 16px; border-radius: var(--rp); cursor: pointer; transition: all .2s;\r\n}\r\n.hqc-opt:hover, .hqc-opt.active { background: var(--g4); border-color: var(--g4); color: var(--g1); }\r\n.hqc-cta { width: 100%; background: var(--g4); color: var(--g1); border: none; padding: 13px 20px; border-radius: 8px; font-size: 14px; font-weight: 800; cursor: pointer; transition: all .2s; }\r\n.hqc-cta:hover { background: var(--g5); }\r\n.hero-trust { display: flex; flex-wrap: wrap; gap: 18px; }\r\n.trust-chip { display: flex; align-items: center; gap: 7px; font-size: 13px; color: rgba(255,255,255,.5); }\r\n.trust-chip svg { width: 15px; height: 15px; color: var(--g4); flex-shrink: 0; }\r\n\r\n\/* Hero visual *\/\r\n.hero-visual { position: relative; overflow: hidden; }\r\n.hero-photo { width: 100%; height: 100%; object-fit: cover; object-position: center top; min-height: 500px; display: block; filter: brightness(.78); }\r\n.hero-photo-overlay { position: absolute; inset: 0; background: linear-gradient(105deg, var(--g1) 0%, rgba(1,71,43,.18) 38%, transparent 58%); }\r\n.hero-float { position: absolute; background: #fff; border-radius: var(--r); box-shadow: var(--shadow-lg); }\r\n.hf1 { bottom: 40px; left: -12px; padding: 18px 22px; min-width: 224px; animation: floatUp .55s .2s ease both; }\r\n.hf2 { top: 40px; left: -12px; padding: 15px 18px; min-width: 180px; animation: floatUp .55s .4s ease both; }\r\n@keyframes floatUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }\r\n.hf-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted); margin-bottom: 5px; }\r\n.hf-value { font-size: 21px; font-weight: 800; color: var(--g1); line-height: 1; }\r\n.hf-sub { font-size: 12px; color: var(--muted); margin-top: 3px; }\r\n.hf2-row { display: flex; align-items: center; gap: 11px; }\r\n.hf2-icon { width: 38px; height: 38px; border-radius: 50%; background: var(--g4); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }\r\n.hf2-icon svg { width: 18px; height: 18px; color: var(--g1); }\r\n.hf2-title { font-size: 13px; font-weight: 800; color: var(--g1); }\r\n.hf2-sub { font-size: 11px; color: var(--muted); }\r\n\r\n\/* \u2500\u2500\u2500 STATS BAR \u2500\u2500\u2500 *\/\r\n.stats-bar { background: var(--cream); border-bottom: 1px solid var(--cream2); }\r\n.stats-inner { display: flex; flex-wrap: wrap; }\r\n.stat-cell { flex: 1; min-width: 160px; padding: 30px 24px; text-align: center; border-right: 1px solid var(--cream2); transition: background .2s; cursor: default; }\r\n.stat-cell:last-child { border-right: none; }\r\n.stat-cell:hover { background: rgba(1,71,43,.04); }\r\n.stat-num { font-size: 33px; font-weight: 800; color: var(--g1); letter-spacing: -1px; line-height: 1; }\r\n.stat-label { font-size: 13px; color: var(--muted); font-weight: 500; margin-top: 6px; line-height: 1.45; }\r\n\r\n\/* \u2500\u2500\u2500 ABOUT SECTION \u2500\u2500\u2500 *\/\r\n.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }\r\n.about-img-wrap { position: relative; }\r\n.about-img { width: 100%; height: 460px; object-fit: cover; border-radius: var(--rl); display: block; }\r\n.about-badge {\r\n position: absolute; bottom: -18px; right: -18px;\r\n background: #fff; border-radius: var(--r); padding: 18px 24px;\r\n min-width: 210px; box-shadow: var(--shadow-lg); border: 1px solid var(--border);\r\n}\r\n.ab-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted); margin-bottom: 5px; }\r\n.ab-value { font-size: 18px; font-weight: 800; color: var(--g1); }\r\n.ab-sub { font-size: 12px; color: var(--muted); margin-top: 3px; }\r\n.about-list { display: flex; flex-direction: column; gap: 22px; margin-top: 34px; }\r\n.about-item { display: flex; gap: 16px; align-items: flex-start; }\r\n.about-icon { width: 46px; height: 46px; border-radius: 11px; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }\r\n.about-icon svg { width: 22px; height: 22px; color: var(--g2); }\r\n.about-item h4 { font-size: 15px; font-weight: 700; margin-bottom: 5px; }\r\n.about-item p { font-size: 14px; color: var(--muted); line-height: 1.6; }\r\n\r\n\/* \u2500\u2500\u2500 SOLUTIONS \u2500\u2500\u2500 *\/\r\n.sol-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 56px; }\r\n.sol-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--rl); overflow: hidden; display: flex; flex-direction: column; cursor: pointer; transition: all .26s ease; }\r\n.sol-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-lg); border-color: var(--g3); }\r\n.sol-card-bar { height: 6px; }\r\n.sol-card-body { padding: 28px; flex: 1; display: flex; flex-direction: column; }\r\n.sol-icon { width: 52px; height: 52px; border-radius: 13px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }\r\n.sol-icon svg { width: 25px; height: 25px; }\r\n.sol-card h3 { font-size: 20px; font-weight: 800; margin-bottom: 4px; }\r\n.sol-abbr { font-size: 12px; font-weight: 600; color: var(--muted); margin-bottom: 14px; }\r\n.sol-card p { font-size: 14px; color: var(--muted); line-height: 1.65; flex: 1; }\r\n.sol-pill { display: inline-block; margin-top: 16px; font-size: 11px; font-weight: 700; padding: 5px 12px; border-radius: var(--rp); text-transform: uppercase; letter-spacing: .05em; }\r\n.sol-more { display: flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 700; margin-top: 16px; transition: gap .22s; }\r\n.sol-card:hover .sol-more { gap: 11px; }\r\n.sol-more svg { width: 14px; height: 14px; }\r\n\r\n\/* \u2500\u2500\u2500 HOW IT WORKS \u2500\u2500\u2500 *\/\r\n.how-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.09); border-radius: var(--rl); overflow: hidden; margin-top: 56px; }\r\n.how-step { background: rgba(255,255,255,.04); padding: 44px 34px; position: relative; transition: background .3s; }\r\n.how-step:hover { background: rgba(255,255,255,.08); }\r\n.how-step-num { font-size: 80px; font-weight: 800; color: rgba(255,255,255,.04); line-height: 1; position: absolute; top: 18px; right: 18px; letter-spacing: -3px; pointer-events: none; }\r\n.how-step-icon { width: 56px; height: 56px; border-radius: 15px; background: rgba(0,194,95,.12); border: 1px solid rgba(0,194,95,.22); display: flex; align-items: center; justify-content: center; margin-bottom: 22px; }\r\n.how-step-icon svg { width: 27px; height: 27px; color: var(--g4); }\r\n.how-step-img { width: 100%; height: 148px; object-fit: cover; border-radius: 10px; margin-bottom: 22px; opacity: .75; }\r\n.how-step h3 { font-size: 18px; font-weight: 700; color: #fff; margin-bottom: 12px; }\r\n.how-step p { font-size: 14px; color: rgba(255,255,255,.54); line-height: 1.7; }\r\n.how-footnote { font-size: 12px; color: rgba(255,255,255,.26); margin-top: 22px; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 ELIGIBILITY \u2500\u2500\u2500 *\/\r\n.elig-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }\r\n.elig-img-col { position: relative; }\r\n.elig-img { width: 100%; height: 540px; object-fit: cover; border-radius: var(--rl); display: block; }\r\n.elig-badge-chip { position: absolute; top: 28px; left: 28px; background: var(--g4); border-radius: var(--r); padding: 15px 20px; }\r\n.ebc-val { font-size: 24px; font-weight: 800; color: var(--g1); }\r\n.ebc-label { font-size: 11px; font-weight: 700; color: rgba(1,71,43,.7); margin-top: 2px; }\r\n.elig-items { display: flex; flex-direction: column; gap: 13px; margin-top: 30px; }\r\n.elig-item { display: flex; gap: 15px; align-items: flex-start; background: #fff; border: 1.5px solid var(--border); border-radius: 11px; padding: 17px 20px; transition: all .22s; cursor: default; }\r\n.elig-item:hover { border-color: var(--g3); box-shadow: var(--shadow); transform: translateX(4px); }\r\n.elig-check { width: 28px; height: 28px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }\r\n.elig-check svg { width: 13px; height: 13px; color: var(--g2); }\r\n.elig-text h4 { font-size: 14px; font-weight: 700; margin-bottom: 4px; }\r\n.elig-text p { font-size: 13px; color: var(--muted); line-height: 1.58; }\r\n.elig-caveat { font-size: 13px; color: var(--muted); margin-top: 18px; font-style: italic; line-height: 1.6; }\r\n\r\n\/* \u2500\u2500\u2500 COMPARISON TABLE \u2500\u2500\u2500 *\/\r\n.cmp-wrapper { overflow-x: auto; margin-top: 56px; border-radius: var(--rl); border: 1.5px solid var(--border); box-shadow: var(--shadow); }\r\n.cmp-table { width: 100%; border-collapse: collapse; min-width: 800px; }\r\n.cmp-table thead tr { background: var(--g1); }\r\n.cmp-table thead th { padding: 22px 24px; text-align: left; white-space: nowrap; }\r\n.th-row-label { font-size: 11px; font-weight: 600; color: rgba(255,255,255,.38); text-transform: uppercase; letter-spacing: .08em; }\r\n.th-solution { color: #fff; font-size: 15px; font-weight: 800; letter-spacing: -.2px; }\r\n.th-solution span { display: block; font-size: 11px; font-weight: 500; color: rgba(255,255,255,.45); text-transform: uppercase; letter-spacing: .07em; margin-top: 3px; font-weight: 600; }\r\n.cmp-table tbody tr { border-bottom: 1px solid var(--border); transition: background .15s; }\r\n.cmp-table tbody tr:last-child { border-bottom: none; }\r\n.cmp-table tbody tr:nth-child(even) { background: #fafcfb; }\r\n.cmp-table tbody tr:hover { background: #f1f8f4; }\r\n.cmp-table td { padding: 17px 24px; font-size: 14px; vertical-align: top; line-height: 1.55; }\r\n.cmp-table td:first-child { font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .07em; width: 175px; white-space: nowrap; padding-top: 20px; }\r\n.cmp-yes { color: var(--g2); font-weight: 700; display: flex; align-items: flex-start; gap: 6px; }\r\n.cmp-yes svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 1px; }\r\n.cmp-no { color: #a12828; font-weight: 700; display: flex; align-items: flex-start; gap: 6px; }\r\n.cmp-no svg { width: 15px; height: 15px; flex-shrink: 0; margin-top: 1px; }\r\n.cmp-mid { color: #7a4e0a; font-weight: 600; }\r\n.cmp-footer { font-size: 13px; color: var(--muted); margin-top: 14px; text-align: right; }\r\n\r\n\/* \u2500\u2500\u2500 TOOLS \u2500\u2500\u2500 *\/\r\n.tools-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 56px; }\r\n.tool-card { border: 1.5px solid var(--border); border-radius: var(--rl); padding: 38px; background: #fff; position: relative; overflow: hidden; transition: all .26s; }\r\n.tool-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--g1); transform: scaleX(0); transform-origin: left; transition: transform .3s; }\r\n.tool-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--g3); }\r\n.tool-card:hover::before { transform: scaleX(1); }\r\n.tool-tag { display: inline-block; font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; background: var(--light); color: var(--g2); padding: 4px 11px; border-radius: var(--rp); margin-bottom: 16px; }\r\n.tool-icon { width: 60px; height: 60px; border-radius: 15px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; }\r\n.tool-icon svg { width: 29px; height: 29px; color: #fff; }\r\n.tool-card h3 { font-size: 20px; font-weight: 800; margin-bottom: 11px; }\r\n.tool-card p { font-size: 14px; color: var(--muted); line-height: 1.68; margin-bottom: 26px; }\r\n\r\n\/* \u2500\u2500\u2500 BLOG \u2500\u2500\u2500 *\/\r\n.blog-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 22px; margin-top: 56px; }\r\n.blog-featured { display: flex; flex-direction: column; }\r\n.blog-secondary { display: flex; flex-direction: column; gap: 22px; }\r\n.blog-card { background: #fff; border: 1.5px solid var(--border); border-radius: var(--rl); overflow: hidden; display: flex; flex-direction: column; transition: all .26s; }\r\n.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }\r\n.blog-img-wrap { overflow: hidden; }\r\n.blog-img { width: 100%; object-fit: cover; display: block; transition: transform .45s; }\r\n.blog-card:hover .blog-img { transform: scale(1.05); }\r\n.blog-body { padding: 26px; flex: 1; display: flex; flex-direction: column; }\r\n.blog-cat { display: inline-block; font-size: 10px; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; padding: 4px 11px; border-radius: var(--rp); margin-bottom: 13px; }\r\n.cat-iva { background: #e3f5eb; color: #1b5930; }\r\n.cat-edu { background: #e4eef9; color: #1a4278; }\r\n.cat-guide { background: #faebd8; color: #6b3e08; }\r\n.cat-life { background: #fce9e9; color: #7a1e1e; }\r\n.cat-news { background: #f0e9fa; color: #4a1d8a; }\r\n.cat-cmp { background: #e8f5e8; color: #1b5930; }\r\n.blog-body h3 { font-size: 17px; font-weight: 800; line-height: 1.35; margin-bottom: 11px; color: var(--text); flex: 1; }\r\n.blog-featured .blog-body h3 { font-size: 22px; }\r\n.blog-body p { font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 16px; }\r\n.blog-meta { display: flex; align-items: center; gap: 9px; font-size: 12px; color: var(--muted); }\r\n.blog-dot { width: 3px; height: 3px; border-radius: 50%; background: var(--muted); }\r\n.blog-read-more { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; color: var(--g2); margin-top: 15px; transition: gap .2s; }\r\n.blog-card:hover .blog-read-more { gap: 10px; }\r\n.blog-read-more svg { width: 13px; height: 13px; }\r\n.blog-secondary .blog-card { flex-direction: row; border-radius: var(--r); }\r\n.blog-secondary .blog-img-wrap { width: 110px; flex-shrink: 0; }\r\n.blog-secondary .blog-img { width: 110px; height: 100%; min-height: 120px; }\r\n.blog-secondary .blog-body { padding: 18px; }\r\n.blog-secondary .blog-body h3 { font-size: 14px; }\r\n.blog-secondary .blog-body p { display: none; }\r\n.blog-more-row { margin-top: 48px; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 FAQ \u2500\u2500\u2500 *\/\r\n.faq-wrap { margin-top: 52px; border: 1.5px solid var(--border); border-radius: var(--r); overflow: hidden; }\r\n.faq-item { border-bottom: 1px solid var(--border); }\r\n.faq-item:last-child { border-bottom: none; }\r\n.faq-btn { width: 100%; background: none; border: none; display: flex; align-items: center; justify-content: space-between; padding: 24px 30px; text-align: left; font-size: 16px; font-weight: 700; color: var(--text); gap: 20px; cursor: pointer; transition: background .2s; }\r\n.faq-btn:hover { background: #f7faf8; }\r\n.faq-btn.open { background: var(--light); color: var(--g1); }\r\n.faq-icon { width: 28px; height: 28px; border-radius: 50%; background: var(--light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all .3s; }\r\n.faq-icon svg { width: 12px; height: 12px; color: var(--g2); transition: transform .3s; }\r\n.faq-btn.open .faq-icon { background: var(--g4); }\r\n.faq-btn.open .faq-icon svg { transform: rotate(180deg); color: var(--g1); }\r\n.faq-panel { display: none; padding: 0 30px 24px 30px; font-size: 15px; color: var(--muted); line-height: 1.78; }\r\n.faq-panel.open { display: block; }\r\n\r\n\/* \u2500\u2500\u2500 LEAD FORM \u2500\u2500\u2500 *\/\r\n.form-section { background: var(--g1); position: relative; overflow: hidden; }\r\n.form-section::before { content: ''; position: absolute; width: 650px; height: 650px; border-radius: 50%; background: rgba(0,194,95,.05); top: -200px; right: -150px; pointer-events: none; }\r\n.form-section::after { content: ''; position: absolute; width: 300px; height: 300px; border-radius: 50%; background: rgba(0,194,95,.05); bottom: -80px; left: 5%; pointer-events: none; }\r\n.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 88px; align-items: start; position: relative; z-index: 1; }\r\n.form-trust-list { list-style: none; margin-top: 32px; display: flex; flex-direction: column; }\r\n.form-trust-list li { display: flex; gap: 13px; align-items: flex-start; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.07); font-size: 15px; color: rgba(255,255,255,.75); line-height: 1.6; }\r\n.form-trust-list li:last-child { border-bottom: none; }\r\n.ftp-icon { width: 26px; height: 26px; border-radius: 50%; background: rgba(0,194,95,.15); border: 1px solid rgba(0,194,95,.3); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }\r\n.ftp-icon svg { width: 12px; height: 12px; color: var(--g4); }\r\n.form-box { background: #fff; border-radius: var(--rl); padding: 44px; box-shadow: var(--shadow-lg); }\r\n.form-box-title { font-size: 24px; font-weight: 800; margin-bottom: 6px; }\r\n.form-box-sub { font-size: 14px; color: var(--muted); margin-bottom: 30px; }\r\n.field { margin-bottom: 17px; }\r\n.field label { display: block; font-size: 11px; font-weight: 800; color: var(--muted); text-transform: uppercase; letter-spacing: .09em; margin-bottom: 8px; }\r\n.field select, .field input { width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: 10px; font-size: 15px; font-family: 'Manrope', sans-serif; color: var(--text); background: #fff; transition: border-color .2s, box-shadow .2s; -webkit-appearance: none; appearance: none; }\r\n.field select:focus, .field input:focus { outline: none; border-color: var(--g3); box-shadow: 0 0 0 3px rgba(3,160,89,.11); }\r\n.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }\r\n.consent-check { display: flex; gap: 11px; align-items: flex-start; font-size: 13px; color: var(--muted); line-height: 1.65; margin-bottom: 22px; }\r\n.consent-check input { flex-shrink: 0; margin-top: 3px; accent-color: var(--g2); width: 16px; height: 16px; cursor: pointer; }\r\n.submit-btn { width: 100%; background: var(--g1); color: #fff; border: none; padding: 17px; border-radius: var(--rp); font-size: 16px; font-weight: 800; font-family: 'Manrope', sans-serif; cursor: pointer; transition: all .2s; }\r\n.submit-btn:hover { background: var(--g2); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(1,71,43,.3); }\r\n.form-disclaimer { font-size: 12px; color: var(--muted); margin-top: 13px; line-height: 1.65; text-align: center; }\r\n\r\n\/* \u2500\u2500\u2500 WARNING BAR \u2500\u2500\u2500 *\/\r\n.warn-bar { background: #fffdf0; border-top: 1px solid #f0dc8c; border-bottom: 1px solid #f0dc8c; padding: 40px 0; }\r\n.warn-title { display: flex; align-items: center; gap: 9px; font-size: 14px; font-weight: 700; color: #7a5800; margin-bottom: 22px; }\r\n.warn-title svg { width: 19px; height: 19px; color: #b88000; flex-shrink: 0; }\r\n.warn-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }\r\n.warn-item { display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: #7a5800; line-height: 1.58; }\r\n.warn-item svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; color: #b88000; }\r\n\r\n\/* \u2500\u2500\u2500 FOOTER \u2500\u2500\u2500 *\/\r\n.footer { background: #040f09; padding: 72px 0 36px; }\r\n.footer-grid { display: grid; grid-template-columns: 2.4fr 1fr 1fr 1fr; gap: 52px; margin-bottom: 60px; }\r\n.footer-brand-logo { display: flex; align-items: center; gap: 11px; margin-bottom: 18px; }\r\n.footer-brand-logo svg { width: 36px; height: 36px; }\r\n.footer-wordmark { font-size: 18px; font-weight: 800; color: #fff; }\r\n.footer-desc { font-size: 14px; color: #436055; line-height: 1.72; max-width: 310px; }\r\n.footer-col-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: #264d38; margin-bottom: 20px; }\r\n.footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }\r\n.footer-links a { font-size: 14px; color: #436055; transition: color .2s; }\r\n.footer-links a:hover { color: var(--g4); }\r\n.footer-bottom { border-top: 1px solid #0e1f15; padding-top: 28px; display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 16px; }\r\n.footer-legal { font-size: 13px; color: #264d38; line-height: 1.68; max-width: 700px; }\r\n.footer-copy { font-size: 13px; color: #264d38; white-space: nowrap; }\r\n\r\n\/* \u2500\u2500\u2500 SCROLL REVEAL \u2500\u2500\u2500 *\/\r\n.reveal { opacity: 0; transform: translateY(24px); transition: opacity .55s ease, transform .55s ease; }\r\n.reveal.visible { opacity: 1; transform: none; }\r\n.reveal-d1 { transition-delay: .1s; }\r\n.reveal-d2 { transition-delay: .2s; }\r\n.reveal-d3 { transition-delay: .3s; }\r\n.reveal-d4 { transition-delay: .4s; }\r\n\r\n\/* \u2500\u2500\u2500 RESPONSIVE \u2500\u2500\u2500 *\/\r\n@media (max-width: 1100px) {\r\n .sol-grid { grid-template-columns: repeat(2, 1fr); }\r\n .footer-grid { grid-template-columns: 1fr 1fr; }\r\n .warn-grid { grid-template-columns: repeat(2, 1fr); }\r\n .two-up { grid-template-columns: 1fr; gap: 16px; }\r\n .blog-layout { grid-template-columns: 1fr; }\r\n .blog-secondary { flex-direction: row; flex-wrap: wrap; }\r\n .blog-secondary .blog-card { flex: 1; min-width: 280px; }\r\n}\r\n@media (max-width: 900px) {\r\n .container, .container-sm { padding: 0 24px; }\r\n .section { padding: 72px 0; }\r\n .nav-links { display: none; }\r\n .hamburger { display: flex; }\r\n .hero-grid { grid-template-columns: 1fr; min-height: auto; }\r\n .hero-visual { display: none; }\r\n .hero-content { padding: 68px 0 60px; }\r\n .about-grid, .elig-grid, .form-grid { grid-template-columns: 1fr; }\r\n .about-img-wrap, .elig-img-col { display: none; }\r\n .how-grid { grid-template-columns: 1fr; }\r\n .tools-grid { grid-template-columns: 1fr; }\r\n}\r\n@media (max-width: 640px) {\r\n .container, .container-sm { padding: 0 18px; }\r\n .nav-inner { padding: 0 18px; }\r\n .section { padding: 56px 0; }\r\n .sol-grid { grid-template-columns: 1fr; }\r\n .field-row { grid-template-columns: 1fr; }\r\n .footer-grid { grid-template-columns: 1fr; }\r\n .warn-grid { grid-template-columns: 1fr; }\r\n .hero h1 { font-size: 30px; }\r\n .hero-desc { font-size: 16px; }\r\n .form-box { padding: 26px 20px; }\r\n .blog-secondary { flex-direction: column; }\r\n .blog-secondary .blog-card { flex-direction: row; }\r\n .stats-inner { flex-direction: column; }\r\n .stat-cell { border-right: none; border-bottom: 1px solid var(--cream2); }\r\n .stat-cell:last-child { border-bottom: none; }\r\n .faq-btn { padding: 18px 20px; font-size: 15px; }\r\n .faq-panel { padding: 0 20px 20px; }\r\n}\r\n<\/style>\r\n<\/head>\r\n<body>\r\n\r\n\r\n<header class=\"nav\" id=\"mainNav\">\r\n <div class=\"nav-inner\">\r\n <a class=\"nav-logo\" href=\"#\">\r\n <svg class=\"nav-logo-icon\" viewBox=\"0 0 40 40\" fill=\"none\">\r\n <rect width=\"40\" height=\"40\" rx=\"11\" fill=\"#01472b\"\/>\r\n <path d=\"M12 26s3.5 4.5 8 4.5 8-4.5 8-4.5\" stroke=\"#00c25f\" stroke-width=\"2.6\" stroke-linecap=\"round\"\/>\r\n <path d=\"M16 17s1.5-4.5 4-4.5 4 4.5 4 4.5\" stroke=\"#00c25f\" stroke-width=\"1.8\" stroke-linecap=\"round\" opacity=\".38\"\/>\r\n <circle cx=\"20\" cy=\"19.5\" r=\"5\" fill=\"#00c25f\"\/>\r\n <\/svg>\r\n <span class=\"nav-logo-text\">Go Debt Free<\/span>\r\n <\/a>\r\n <nav class=\"nav-links\">\r\n <a href=\"#solutions\">Solutions<\/a>\r\n <a href=\"#how-it-works\">How It Works<\/a>\r\n <a href=\"#compare\">Compare<\/a>\r\n <a href=\"#tools\">Tools<\/a>\r\n <a href=\"#guides\">Guides<\/a>\r\n <a href=\"#faq\">FAQs<\/a>\r\n <\/nav>\r\n <div class=\"nav-right\">\r\n <button class=\"nav-cta\" onclick=\"scrollTo('get-help')\">Check My Options<\/button>\r\n <button class=\"hamburger\" onclick=\"document.getElementById('mobMenu').classList.add('active')\" aria-label=\"Open menu\">\r\n <svg viewBox=\"0 0 26 26\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\">\r\n <line x1=\"3\" y1=\"7\" x2=\"23\" y2=\"7\"\/><line x1=\"3\" y1=\"13\" x2=\"23\" y2=\"13\"\/><line x1=\"3\" y1=\"19\" x2=\"23\" y2=\"19\"\/>\r\n <\/svg>\r\n <\/button>\r\n <\/div>\r\n <\/div>\r\n<\/header>\r\n\r\n\r\n<div class=\"mob-menu\" id=\"mobMenu\">\r\n <div class=\"mob-menu-top\">\r\n <a class=\"nav-logo\" href=\"#\" style=\"display:flex;align-items:center;gap:10px\">\r\n <svg width=\"36\" height=\"36\" viewBox=\"0 0 40 40\" fill=\"none\"><rect width=\"40\" height=\"40\" rx=\"11\" fill=\"rgba(255,255,255,.1)\"\/><circle cx=\"20\" cy=\"19.5\" r=\"5\" fill=\"#00c25f\"\/><\/svg>\r\n <span style=\"color:#fff;font-size:16px;font-weight:800\">Go Debt Free<\/span>\r\n <\/a>\r\n <button class=\"mob-close\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">×<\/button>\r\n <\/div>\r\n <nav class=\"mob-nav\">\r\n <a href=\"#solutions\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Solutions<\/a>\r\n <a href=\"#how-it-works\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">How It Works<\/a>\r\n <a href=\"#compare\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Compare<\/a>\r\n <a href=\"#tools\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Tools<\/a>\r\n <a href=\"#guides\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Guides<\/a>\r\n <a href=\"#faq\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">FAQs<\/a>\r\n <\/nav>\r\n <a class=\"mob-cta-btn\" href=\"#get-help\" onclick=\"document.getElementById('mobMenu').classList.remove('active')\">Check My Options<\/a>\r\n<\/div>\r\n\r\n\r\n<section class=\"hero\">\r\n <div class=\"hero-bg-glow\"><\/div>\r\n <div class=\"hero-grid\">\r\n <div class=\"hero-content\">\r\n <div class=\"hero-badge\">\r\n <span class=\"badge-pulse\"><\/span>\r\n Specialist UK Debt Solutions Platform\r\n <\/div>\r\n <h1>\r\n Struggling with debt?\r\n <em>You have more options than you think.<\/em>\r\n <\/h1>\r\n <p class=\"hero-desc\">Millions of people across England and Wales are dealing with unmanageable debt. Go Debt Free gives you clear, honest, and impartial information about every structured debt solution available under UK law \u2014 so you can make the right decision, at your own pace.<\/p>\r\n\r\n \r\n <div class=\"hero-quick-check\">\r\n <div class=\"hqc-label\">Quick check \u2014 what best describes your situation?<\/div>\r\n <div class=\"hqc-options\">\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">Under \u00a310,000<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">\u00a310k to \u00a325k<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">\u00a325k to \u00a350k<\/button>\r\n <button class=\"hqc-opt\" onclick=\"selectDebt(this)\">Over \u00a350k<\/button>\r\n <\/div>\r\n <button class=\"hqc-cta\" onclick=\"scrollTo('get-help')\">See which solutions may apply \u2192<\/button>\r\n <\/div>\r\n\r\n <div class=\"hero-trust\">\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n No credit check required\r\n <\/span>\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n FCA-authorised introductions only\r\n <\/span>\r\n <span class=\"trust-chip\">\r\n <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7.5 6 11.5 13 4\"\/><\/svg>\r\n No obligation, ever\r\n <\/span>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"hero-visual\">\r\n <img decoding=\"async\" class=\"hero-photo\" src=\"https:\/\/images.unsplash.com\/photo-1573497620053-ea5300f94f21?w=900&q=85\" alt=\"Person finding financial clarity and peace of mind\">\r\n <div class=\"hero-photo-overlay\"><\/div>\r\n <div class=\"hero-float hf1\">\r\n <div class=\"hf-label\">Solutions we cover<\/div>\r\n <div class=\"hf-value\">4 pathways<\/div>\r\n <div class=\"hf-sub\">IVA \u00b7 DMP \u00b7 DRO \u00b7 Bankruptcy<\/div>\r\n <\/div>\r\n <div class=\"hero-float hf2\">\r\n <div class=\"hf2-row\">\r\n <div class=\"hf2-icon\">\r\n <svg viewBox=\"0 0 18 18\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"9\" cy=\"9\" r=\"7\"\/><polyline points=\"6 9 8.5 11.5 13 6.5\"\/><\/svg>\r\n <\/div>\r\n <div>\r\n <div class=\"hf2-title\">FCA Partners Only<\/div>\r\n <div class=\"hf2-sub\">Regulated introductions guaranteed<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<div class=\"stats-bar\">\r\n <div class=\"stats-inner\">\r\n <div class=\"stat-cell reveal\">\r\n <div class=\"stat-num\">8.9M<\/div>\r\n <div class=\"stat-label\">UK adults currently<br>dealing with problem debt<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d1\">\r\n <div class=\"stat-num\">\u00a330k<\/div>\r\n <div class=\"stat-label\">Average unsecured debt<br>per household in the UK<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d2\">\r\n <div class=\"stat-num\">4<\/div>\r\n <div class=\"stat-label\">Formal debt solutions<br>available in England and Wales<\/div>\r\n <\/div>\r\n <div class=\"stat-cell reveal reveal-d3\">\r\n <div class=\"stat-num\">60s<\/div>\r\n <div class=\"stat-label\">To complete our eligibility<br>check with no credit impact<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n\r\n<section class=\"section\">\r\n <div class=\"container\">\r\n <div class=\"about-grid\">\r\n <div class=\"about-img-wrap reveal\">\r\n <img decoding=\"async\" class=\"about-img\" src=\"https:\/\/images.unsplash.com\/photo-1560472354-b33ff0c44a43?w=700&q=85\" alt=\"Trustworthy debt solutions information\">\r\n <div class=\"about-badge\">\r\n <div class=\"ab-label\">Our commitment to you<\/div>\r\n <div class=\"ab-value\">No advice. Just clarity.<\/div>\r\n <div class=\"ab-sub\">Introductions to FCA-regulated specialists only<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Who we are<\/div>\r\n <h2 class=\"heading-lg\">Your debt. <span>Your decision.<\/span><br>Our job is to inform.<\/h2>\r\n <p class=\"body-lg\">Go Debt Free is a specialist UK platform that helps people understand the structured debt solutions available under UK law. We are not a financial advisor \u2014 we do not tell you what to do. But we make sure you have the knowledge, the tools, and the right introduction to make the best decision for your circumstances.<\/p>\r\n <div class=\"about-list\">\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"11\" cy=\"11\" r=\"9\"\/><polyline points=\"8 11 10.5 13.5 14.5 8.5\"\/><\/svg><\/div>\r\n <div>\r\n <h4>Completely impartial information<\/h4>\r\n <p>We cover all four UK debt solutions equally \u2014 no vested interest, no agenda. Just honest information about every option available to you.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M13 2H7a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h11a2 2 0 0 0 2-2V9z\"\/><polyline points=\"13 2 13 9 20 9\"\/><line x1=\"8\" y1=\"13\" x2=\"16\" y2=\"13\"\/><line x1=\"8\" y1=\"17\" x2=\"13\" y2=\"17\"\/><\/svg><\/div>\r\n <div>\r\n <h4>In-depth, jargon-free guides<\/h4>\r\n <p>Our articles and comparison resources are written for real people \u2014 not financial professionals. Plain English throughout, with no watered-down content.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"about-item\">\r\n <div class=\"about-icon\"><svg viewBox=\"0 0 22 22\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H7a4 4 0 0 0-4 4v2\"\/><circle cx=\"10\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M17 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div>\r\n <div>\r\n <h4>Regulated introductions when you are ready<\/h4>\r\n <p>If you choose to proceed, we introduce you exclusively to FCA-authorised debt solutions providers. The decision about whether to act is entirely yours.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"solutions\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Debt solutions explained<\/div>\r\n <h2 class=\"heading-lg\">Every UK debt solution, <span>clearly explained<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">There is no universal answer to debt. The right path depends entirely on your income, your assets, the type of debt you hold, and your long-term goals. Here is every option available under current UK law.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"sol-grid\">\r\n \r\n <div class=\"sol-card reveal\">\r\n <div class=\"sol-card-bar\" style=\"background:#007f59\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#e3f5eb\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#007f59\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M14 2H7a2 2 0 0 0-2 2v17a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"8\" y1=\"13\" x2=\"17\" y2=\"13\"\/><line x1=\"8\" y1=\"17\" x2=\"14\" y2=\"17\"\/><\/svg><\/div>\r\n <h3>IVA<\/h3>\r\n <div class=\"sol-abbr\">Individual Voluntary Arrangement<\/div>\r\n <p>A legally binding agreement between you and your unsecured creditors to repay a portion of what you owe over five to six years. Interest and charges are frozen from the moment your IVA is approved. At the end of the agreed term, any remaining eligible debt is legally written off \u2014 provided you have met your obligations throughout.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#e3f5eb;color:#1b5930\">Formal \u00b7 5 to 6 years<\/span>\r\n <div class=\"sol-more\" style=\"color:#007f59\">Read the full IVA guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d1\">\r\n <div class=\"sol-card-bar\" style=\"background:#1B5FA8\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#e4eef9\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#1B5FA8\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"2\" y=\"4\" width=\"21\" height=\"15\" rx=\"2\"\/><path d=\"M8 23h9M12.5 19v4\"\/><line x1=\"6\" y1=\"12\" x2=\"10\" y2=\"12\"\/><line x1=\"6\" y1=\"16\" x2=\"19\" y2=\"16\"\/><\/svg><\/div>\r\n <h3>DMP<\/h3>\r\n <div class=\"sol-abbr\">Debt Management Plan<\/div>\r\n <p>An informal arrangement where your debts are consolidated into a single, affordable monthly payment, which is then distributed among your creditors. There is no court involvement and no legal obligation on creditors to accept the plan. Because you repay the full balance owed, a DMP typically runs for longer than an IVA, but it offers considerably more flexibility.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#e4eef9;color:#1a4278\">Informal \u00b7 Flexible duration<\/span>\r\n <div class=\"sol-more\" style=\"color:#1B5FA8\">Read the full DMP guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d2\">\r\n <div class=\"sol-card-bar\" style=\"background:#8a5209\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#faebd8\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#8a5209\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12.5\" cy=\"12.5\" r=\"10\"\/><line x1=\"12.5\" y1=\"8.5\" x2=\"12.5\" y2=\"13\"\/><circle cx=\"12.5\" cy=\"16.5\" r=\".5\" fill=\"#8a5209\"\/><\/svg><\/div>\r\n <h3>DRO<\/h3>\r\n <div class=\"sol-abbr\">Debt Relief Order<\/div>\r\n <p>Designed specifically for people with low income, minimal assets, and total unsecured debts below \u00a330,000. Once a DRO is granted, enforcement of all listed debts is paused for 12 months. If your financial situation has not materially improved by the end of that period, every included debt is legally written off in full \u2014 at a government-set application cost of just \u00a390.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#faebd8;color:#6b3e08\">Low income \u00b7 12 months<\/span>\r\n <div class=\"sol-more\" style=\"color:#8a5209\">Read the full DRO guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"sol-card reveal reveal-d3\">\r\n <div class=\"sol-card-bar\" style=\"background:#a12020\"><\/div>\r\n <div class=\"sol-card-body\">\r\n <div class=\"sol-icon\" style=\"background:#fce9e9\"><svg viewBox=\"0 0 25 25\" fill=\"none\" stroke=\"#a12020\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 7h19M3 12.5h19M3 18h19\"\/><rect x=\"8.5\" y=\"2\" width=\"8\" height=\"21\" rx=\"1\"\/><\/svg><\/div>\r\n <h3>Bankruptcy<\/h3>\r\n <div class=\"sol-abbr\">Court-administered insolvency<\/div>\r\n <p>A formal legal process, administered through the courts, for clearing debts that you have no realistic prospect of repaying. The bankruptcy period typically lasts 12 months, after which remaining unsecured debts are discharged. However, it carries significant and long-lasting consequences \u2014 for property, assets, credit rating, and certain types of employment \u2014 which must be understood fully before proceeding.<\/p>\r\n <span class=\"sol-pill\" style=\"background:#fce9e9;color:#7a1e1e\">Legal process \u00b7 Lasting impact<\/span>\r\n <div class=\"sol-more\" style=\"color:#a12020\">Read the bankruptcy guide <svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7\" x2=\"12\" y2=\"7\"\/><polyline points=\"8 3 12 7 8 11\"\/><\/svg><\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-dark\" id=\"how-it-works\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow eyebrow-light\"><span class=\"eyebrow-dot\"><\/span>Our process<\/div>\r\n <h2 class=\"heading-lg heading-light\">How Go Debt Free <span>actually works<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg body-lg-light\">We are a platform and an introducer \u2014 not an advisor. We give you the knowledge to understand your position clearly, then connect you with a regulated specialist if and when you are ready. No pressure. No agenda.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"how-grid\">\r\n <div class=\"how-step reveal\">\r\n <div class=\"how-step-num\">01<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?w=500&q=80\" alt=\"Research and understand your debt options\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><line x1=\"23\" y1=\"23\" x2=\"18\" y2=\"18\"\/><\/svg><\/div>\r\n <h3>Understand your situation<\/h3>\r\n <p>Use our in-depth guides, comparison tools, and articles to learn what each solution actually means in practice \u2014 the duration, the legal implications, the impact on your credit file, your assets, and your day-to-day life. Take as long as you need, with no pressure from anyone.<\/p>\r\n <\/div>\r\n <div class=\"how-step reveal reveal-d1\">\r\n <div class=\"how-step-num\">02<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1484480974693-6ca0a78fb36b?w=500&q=80\" alt=\"Use our eligibility checker\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M10 12l3 3.5L22 5\"\/><path d=\"M22 13.5v7a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V7a2 2 0 0 1 2-2h12\"\/><\/svg><\/div>\r\n <h3>Use our eligibility checker<\/h3>\r\n <p>Answer eight straightforward questions about your income, debts, employment, and assets. Our tool provides an immediate initial indication of which solutions you may qualify for \u2014 with absolutely no impact on your credit score and no data shared with any third party at this stage.<\/p>\r\n <\/div>\r\n <div class=\"how-step reveal reveal-d2\">\r\n <div class=\"how-step-num\">03<\/div>\r\n <img decoding=\"async\" class=\"how-step-img\" src=\"https:\/\/images.unsplash.com\/photo-1521791136064-7986c2920216?w=500&q=80\" alt=\"Speak to a regulated debt specialist\" onerror=\"this.style.display='none'\">\r\n <div class=\"how-step-icon\"><svg viewBox=\"0 0 27 27\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M18 21v-2a4 4 0 0 0-4-4H7a4 4 0 0 0-4 4v2\"\/><circle cx=\"10.5\" cy=\"8\" r=\"4\"\/><path d=\"M24 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M17 4.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/div>\r\n <h3>Speak to a regulated specialist<\/h3>\r\n <p>If you choose to proceed, we introduce you to an FCA-authorised debt solutions provider. They carry out a thorough, personalised assessment of your financial situation and explain every available option in plain English. What you do next is entirely your decision \u2014 there is never any obligation.<\/p>\r\n <\/div>\r\n <\/div>\r\n <p class=\"how-footnote\">Go Debt Free is not FCA-authorised and does not provide financial advice. We act solely as an introducer and may receive a referral fee.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\">\r\n <div class=\"container\">\r\n <div class=\"elig-grid\">\r\n <div class=\"elig-img-col reveal\">\r\n <img decoding=\"async\" class=\"elig-img\" src=\"https:\/\/images.unsplash.com\/photo-1616486338812-3dadae4b4ace?w=700&q=85\" alt=\"Person reviewing financial paperwork at home\">\r\n <div class=\"elig-badge-chip\">\r\n <div class=\"ebc-val\">60 seconds<\/div>\r\n <div class=\"ebc-label\">To check your eligibility<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Am I eligible?<\/div>\r\n <h2 class=\"heading-lg\">You may benefit from exploring options if...<\/h2>\r\n <p class=\"body-lg\">These are common indicators that a structured debt solution could be relevant to your situation. A regulated provider will always conduct a thorough assessment before recommending anything.<\/p>\r\n <div class=\"elig-items\">\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>You are falling behind on monthly repayments<\/h4>\r\n <p>Missing payments regularly, using credit to service credit, or relying on overdrafts month to month are all clear signs that your current situation is unsustainable without intervention.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>Your debts are primarily unsecured<\/h4>\r\n <p>Credit cards, personal loans, store cards, payday loans, and overdrafts are covered by most formal debt solutions. Secured debts such as mortgages are generally treated separately.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>You are based in England, Wales, or Northern Ireland<\/h4>\r\n <p>IVA, DMP, DRO, and Bankruptcy are the primary solutions available in these regions. Scotland operates under different insolvency legislation \u2014 speak to a Scottish debt specialist if you are based there.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"elig-item\">\r\n <div class=\"elig-check\"><svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6.5 5 10 11.5 3\"\/><\/svg><\/div>\r\n <div class=\"elig-text\">\r\n <h4>Your total unsecured debt is \u00a35,000 or more<\/h4>\r\n <p>Most formal solutions have a minimum threshold. Eligibility for each solution also depends on the number of creditors, the type of debt, and your monthly income after essential outgoings.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <p class=\"elig-caveat\">This information is a guide only and is not a guarantee of eligibility. Final eligibility is always assessed by a regulated, FCA-authorised provider following a thorough personal financial review.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"compare\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Side by side comparison<\/div>\r\n <h2 class=\"heading-lg\">IVA vs DMP vs DRO vs Bankruptcy <span>\u2014 the full breakdown<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">Not all debt solutions work the same way. This table compares each option across every factor that matters \u2014 from duration and costs, to legal standing, asset protection, and long-term impact on your life.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"cmp-wrapper reveal\">\r\n <table class=\"cmp-table\">\r\n <thead>\r\n <tr>\r\n <th class=\"th-row-label\">Factor<\/th>\r\n <th><div class=\"th-solution\">IVA<span>Individual Voluntary Arrangement<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">DMP<span>Debt Management Plan<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">DRO<span>Debt Relief Order<\/span><\/div><\/th>\r\n <th><div class=\"th-solution\">Bankruptcy<span>Court insolvency procedure<\/span><\/div><\/th>\r\n <\/tr>\r\n <\/thead>\r\n <tbody>\r\n <tr>\r\n <td>Type<\/td>\r\n <td>Formal and legally binding<\/td>\r\n <td>Informal and non-binding<\/td>\r\n <td>Formal and legally binding<\/td>\r\n <td>Formal court procedure<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Duration<\/td>\r\n <td>Typically 5 to 6 years<\/td>\r\n <td>Varies \u2014 often 5 to 10 years depending on balance<\/td>\r\n <td>12 months (moratorium period)<\/td>\r\n <td>Usually 12 months (though some restrictions last longer)<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Minimum debt<\/td>\r\n <td>Typically \u00a36,000 across at least two creditors<\/td>\r\n <td>No formal minimum required<\/td>\r\n <td>Total debt must be under \u00a330,000<\/td>\r\n <td>No minimum, though court fees of \u00a3680 apply<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Income required?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 regular income is required to fund contributions<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 regular income needed for payments<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Low income only \u2014 surplus must be under \u00a350 per month<\/span><\/td>\r\n <td><span class=\"cmp-mid\">No income requirement, but assets will be assessed and may be realised<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Asset protection<\/td>\r\n <td><span class=\"cmp-mid\">Home equity may need to be released in year 5 \u2014 this is assessed individually<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Assets are generally unaffected throughout a DMP<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Assets must be valued under \u00a32,000 to qualify<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Property and valuables can be seized by the Official Receiver<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Debt written off?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 remaining eligible balance is written off upon successful completion<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>No \u2014 the full balance must be repaid, though creditors often freeze interest<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 all listed debts are discharged after 12 months<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 remaining unsecured debts are discharged after 12 months<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Credit file impact<\/td>\r\n <td>Recorded for 6 years from the date of registration<\/td>\r\n <td>Defaults are recorded \u2014 can remain 6 years from default date<\/td>\r\n <td>Recorded for 6 years from the date of registration<\/td>\r\n <td>Recorded for 6 years from the adjudication date<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Creditor contact halted?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 creditors are legally prevented from contacting you once approved<\/span><\/td>\r\n <td><span class=\"cmp-mid\">Often informal \u2014 creditors may still contact you as there is no legal obligation<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 a legal moratorium prevents creditor action<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 court protection stops all enforcement action<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Employment impact<\/td>\r\n <td><span class=\"cmp-mid\">Some regulated professions (financial services, law) may be affected \u2014 check your contract<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Generally no employment impact for most roles<\/span><\/td>\r\n <td><span class=\"cmp-mid\">May restrict some roles \u2014 check your employment contract and professional body guidance<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Significant restrictions apply in many professional and public sector roles<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Fees<\/td>\r\n <td>Yes \u2014 Insolvency Practitioner fees are deducted from your monthly contributions (not paid upfront)<\/td>\r\n <td>Minimal \u2014 some providers charge a small monthly administration fee<\/td>\r\n <td>\u00a390 government-set application fee \u2014 no additional charges<\/td>\r\n <td>\u00a3680 government-set court fee \u2014 payable before the petition is lodged<\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Interest frozen?<\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 interest and charges are frozen as soon as the IVA is approved<\/span><\/td>\r\n <td><span class=\"cmp-mid\">Often \u2014 depends on individual creditor cooperation, not guaranteed<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 interest ceases during the 12-month moratorium period<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 all enforcement and interest stops from the point of application<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Public record?<\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed publicly on the Individual Insolvency Register<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>No \u2014 there is no public record of a DMP<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed on the Individual Insolvency Register<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Yes \u2014 listed on the Individual Insolvency Register<\/span><\/td>\r\n <\/tr>\r\n <tr>\r\n <td>Suitable for homeowners?<\/td>\r\n <td><span class=\"cmp-mid\">Possible \u2014 but equity release clause in year 5 must be understood before proceeding<\/span><\/td>\r\n <td><span class=\"cmp-yes\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"2 7 5.5 10.5 12 3\"\/><\/svg>Yes \u2014 a DMP does not directly affect your property<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>No \u2014 homeowners typically cannot qualify for a DRO<\/span><\/td>\r\n <td><span class=\"cmp-no\"><svg viewBox=\"0 0 14 14\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"3\" y1=\"3\" x2=\"11\" y2=\"11\"\/><line x1=\"11\" y1=\"3\" x2=\"3\" y2=\"11\"\/><\/svg>Not recommended \u2014 your home may be at serious risk<\/span><\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <p class=\"cmp-footer\">Source: Insolvency Service UK and Money Helper. For general guidance only \u2014 not a substitute for regulated professional assessment.<\/p>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\" id=\"tools\">\r\n <div class=\"container\">\r\n <div class=\"two-up\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Practical tools<\/div>\r\n <h2 class=\"heading-lg\">Understand where you stand <span>before speaking to anyone<\/span><\/h2>\r\n <\/div>\r\n <div class=\"reveal reveal-d1\">\r\n <p class=\"body-lg\">Our tools give you a genuinely clear picture of your financial situation \u2014 privately, at your own pace, with no personal data shared and no commitment of any kind until you are ready.<\/p>\r\n <\/div>\r\n <\/div>\r\n <div class=\"tools-grid\">\r\n <div class=\"tool-card reveal\">\r\n <div class=\"tool-tag\">Most used<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g1)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M11 14l3.5 3.5L23 7\"\/><path d=\"M22 15v7a2 2 0 0 1-2 2H6a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2h12\"\/><\/svg><\/div>\r\n <h3>Eligibility Checker<\/h3>\r\n <p>Answer eight straightforward questions about your debts, income, employment status, and assets. The tool gives you an instant initial indication of which solutions you may qualify for \u2014 with no impact on your credit score and no data shared with any third party at this stage.<\/p>\r\n <button class=\"btn btn-dark\">Start the checker <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <div class=\"tool-card reveal reveal-d1\">\r\n <div class=\"tool-tag\">Highly recommended<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g2)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"3\" width=\"23\" height=\"23\" rx=\"3\"\/><line x1=\"8\" y1=\"15\" x2=\"13\" y2=\"15\"\/><line x1=\"8\" y1=\"19\" x2=\"20\" y2=\"19\"\/><line x1=\"8\" y1=\"11\" x2=\"11\" y2=\"11\"\/><path d=\"M21 8l-3 10\"\/><\/svg><\/div>\r\n <h3>Monthly Budget Calculator<\/h3>\r\n <p>Map your total monthly income against every outgoing \u2014 household bills, food, transport, childcare, and all debt repayments. The calculator shows you exactly how much disposable income you actually have each month, which is a critical factor in determining eligibility for most formal debt solutions.<\/p>\r\n <button class=\"btn btn-dark\" style=\"background:var(--g2)\">Open calculator <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <div class=\"tool-card reveal reveal-d2\">\r\n <div class=\"tool-tag\">Know your numbers<\/div>\r\n <div class=\"tool-icon\" style=\"background:var(--g3)\"><svg viewBox=\"0 0 29 29\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"14.5\" cy=\"14.5\" r=\"11.5\"\/><polyline points=\"14.5 9 14.5 14.5 19 17.5\"\/><\/svg><\/div>\r\n <h3>Debt Breakdown Tool<\/h3>\r\n <p>Enter each individual debt \u2014 the lender name, current balance, interest rate, and minimum monthly payment. The tool calculates your total owed across all creditors, the total interest you are being charged each month, and how many years it would realistically take to clear everything at your current pace.<\/p>\r\n <button class=\"btn btn-dark\" style=\"background:var(--g3)\">Break it down <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/button>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section section-alt\" id=\"guides\">\r\n <div class=\"container\">\r\n <div style=\"display:flex;align-items:flex-end;justify-content:space-between;flex-wrap:wrap;gap:24px;margin-bottom:56px\">\r\n <div class=\"reveal\">\r\n <div class=\"eyebrow\"><span class=\"eyebrow-dot\"><\/span>Knowledge hub<\/div>\r\n <h2 class=\"heading-lg\" style=\"margin-bottom:0\">Guides, insights and updates <span>from Go Debt Free<\/span><\/h2>\r\n <\/div>\r\n <a class=\"btn btn-outline-green reveal\" href=\"#\">Browse all guides <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/a>\r\n <\/div>\r\n\r\n <div class=\"blog-layout\">\r\n \r\n <div class=\"blog-featured reveal\">\r\n <div class=\"blog-card\" style=\"height:100%\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" style=\"height:280px\" src=\"https:\/\/images.unsplash.com\/photo-1450101499163-c8848c66ca85?w=900&q=80\" alt=\"IVA eligibility UK guide 2025\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-iva\">IVA<\/span>\r\n <h3>Who qualifies for an IVA in the UK? A complete 2025 eligibility guide<\/h3>\r\n <p>An Individual Voluntary Arrangement is one of the most commonly used formal debt solutions in England and Wales \u2014 but it is far from suitable for everyone. This comprehensive guide breaks down the income thresholds, asset considerations, creditor voting rules, and minimum debt requirements you must understand before approaching an insolvency practitioner.<\/p>\r\n <div class=\"blog-meta\"><span>9 min read<\/span><span class=\"blog-dot\"><\/span><span>IVA Eligibility<\/span><span class=\"blog-dot\"><\/span><span>Updated April 2025<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read the full guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div class=\"blog-secondary\">\r\n <div class=\"blog-card reveal reveal-d1\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1579621970563-ebec7560ff3e?w=400&q=80\" alt=\"Credit score impact IVA\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-edu\">Education<\/span>\r\n <h3>How does an IVA affect your credit score \u2014 and for how long?<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>6 min read<\/span><span class=\"blog-dot\"><\/span><span>Credit<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d2\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1600880292203-757bb62b4baf?w=400&q=80\" alt=\"Self employed IVA\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-guide\">Guide<\/span>\r\n <h3>Self-employed and struggling with debt? Your options explained<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>7 min read<\/span><span class=\"blog-dot\"><\/span><span>Self-Employed<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d3\">\r\n <div class=\"blog-img-wrap\">\r\n <img decoding=\"async\" class=\"blog-img\" src=\"https:\/\/images.unsplash.com\/photo-1560472354-b33ff0c44a43?w=400&q=80\" alt=\"IVA and renting\" style=\"height:120px;min-height:120px\">\r\n <\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-life\">Life Impact<\/span>\r\n <h3>IVA and renting: what landlords actually see on a credit check<\/h3>\r\n <div class=\"blog-meta\" style=\"margin-top:8px\"><span>5 min read<\/span><span class=\"blog-dot\"><\/span><span>Life After IVA<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n \r\n <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:22px\" class=\"blog-row-2\">\r\n <div class=\"blog-card reveal\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1521791136064-7986c2920216?w=600&q=80\" alt=\"IVA vs DMP comparison\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-cmp\">Comparison<\/span>\r\n <h3>IVA vs Debt Management Plan \u2014 which is right for you?<\/h3>\r\n <p>Formal versus informal. Legally binding versus flexible. Debt write-off versus full repayment. This comparison lays out the critical differences between the two most popular debt solutions in the UK \u2014 with real-world scenarios.<\/p>\r\n <div class=\"blog-meta\"><span>8 min read<\/span><span class=\"blog-dot\"><\/span><span>Comparisons<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d1\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1616486338812-3dadae4b4ace?w=600&q=80\" alt=\"After IVA completes credit rebuild\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-edu\">Education<\/span>\r\n <h3>Life after an IVA \u2014 how to rebuild your credit score step by step<\/h3>\r\n <p>Many people are surprised by how quickly their financial situation can improve after completing an IVA. This guide explains the credit rebuild timeline, what lenders look for, and practical steps you can take from day one.<\/p>\r\n <div class=\"blog-meta\"><span>6 min read<\/span><span class=\"blog-dot\"><\/span><span>Post IVA<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-card reveal reveal-d2\">\r\n <div class=\"blog-img-wrap\"><img decoding=\"async\" class=\"blog-img\" style=\"height:175px\" src=\"https:\/\/images.unsplash.com\/photo-1554224155-6726b3ff858f?w=600&q=80\" alt=\"DRO eligibility UK guide\"><\/div>\r\n <div class=\"blog-body\">\r\n <span class=\"blog-cat cat-guide\">DRO Guide<\/span>\r\n <h3>Who qualifies for a Debt Relief Order in 2025? The full criteria<\/h3>\r\n <p>The DRO threshold was raised to \u00a330,000 in 2024. This guide explains the updated eligibility rules, the assets test, the income surplus limit, and which types of debt are included \u2014 and excluded.<\/p>\r\n <div class=\"blog-meta\"><span>7 min read<\/span><span class=\"blog-dot\"><\/span><span>DRO<\/span><\/div>\r\n <a class=\"blog-read-more\" href=\"#\">Read guide <svg viewBox=\"0 0 13 13\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><line x1=\"1\" y1=\"6.5\" x2=\"11\" y2=\"6.5\"\/><polyline points=\"7 2.5 11 6.5 7 10.5\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"blog-more-row reveal\">\r\n <a class=\"btn btn-outline-green\" href=\"#\">View all guides and articles <svg viewBox=\"0 0 15 15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"2\" y1=\"7.5\" x2=\"13\" y2=\"7.5\"\/><polyline points=\"9 3 13 7.5 9 12\"\/><\/svg><\/a>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"section\" id=\"faq\">\r\n <div class=\"container-sm\">\r\n <div style=\"text-align:center\" class=\"reveal\">\r\n <div class=\"eyebrow\" style=\"display:inline-flex;margin-bottom:18px\"><span class=\"eyebrow-dot\"><\/span>Common questions<\/div>\r\n <h2 class=\"heading-lg\">Frequently asked questions<\/h2>\r\n <p class=\"body-lg\" style=\"margin:0 auto\">Everything you want to know before taking the next step \u2014 answered clearly, in plain English, without any jargon.<\/p>\r\n <\/div>\r\n <div class=\"faq-wrap\">\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Will checking my eligibility affect my credit score?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">No. Checking your eligibility through Go Debt Free involves no credit search whatsoever and will have absolutely no impact on your credit score. Any formal credit checks would only be conducted at a later stage, by a regulated provider, and only with your explicit knowledge and consent before proceeding.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Is Go Debt Free regulated by the FCA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">Go Debt Free is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial advice or personal debt recommendations. We operate as an introducer service \u2014 connecting individuals with FCA-authorised debt solutions firms who hold the appropriate regulatory permissions to provide regulated advice. We are fully transparent about this distinction at every point of contact.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n How long does an IVA stay on my credit file?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA is recorded on your credit file for six years from the date it was registered \u2014 regardless of whether the IVA itself is completed earlier than that. During this period, it will be visible to lenders who carry out credit searches. That said, many people successfully begin rebuilding their credit profile well before the six years are up, and a completed IVA is generally viewed more favourably by lenders than one that is still active or failed.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Can I get an IVA if I am self-employed?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">Yes \u2014 self-employed individuals can apply for an IVA. However, the process is typically more complex because irregular or variable income must be evidenced and averaged over a period to calculate your monthly contribution. Your insolvency practitioner will work with you to present your income fairly to creditors. Whether self-employment income qualifies depends on the nature of your work and what you can demonstrate as a reliable monthly surplus. A regulated specialist is best placed to assess this individually.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Which debts are covered by an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA can cover most unsecured debts \u2014 including credit cards, personal loans, store cards, catalogue accounts, overdrafts, payday loans, and money owed informally to friends or family. It cannot cover secured debts (such as mortgages or secured loans), student loans, child maintenance arrears, court fines, or certain HMRC tax debts. Your insolvency practitioner will confirm exactly which of your debts can be included when drafting your proposal.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n Will my employer find out that I have an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">An IVA is recorded on the publicly searchable Individual Insolvency Register. Your employer is not contacted or notified directly, but if they choose to search the register, they could find the entry. For most people in standard employment, an IVA has no practical impact on their job. However, roles in financial services, legal professions, accountancy, or positions with fiduciary duties may be affected \u2014 either through your employment contract or your professional body's conduct rules. It is strongly advisable to review your contract and seek guidance before proceeding.<\/div>\r\n <\/div>\r\n <div class=\"faq-item\">\r\n <button class=\"faq-btn\" onclick=\"toggleFaq(this)\">\r\n What is the key difference between a DMP and an IVA?\r\n <div class=\"faq-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\" stroke-linecap=\"round\"><line x1=\"6\" y1=\"2\" x2=\"6\" y2=\"10\"\/><line x1=\"2\" y1=\"6\" x2=\"10\" y2=\"6\"\/><\/svg><\/div>\r\n <\/button>\r\n <div class=\"faq-panel\">The two most important distinctions are legal status and debt write-off. A DMP is informal \u2014 creditors are under no legal obligation to accept the terms, and you will repay every pound you owe (though they will often agree to freeze interest). An IVA is a legally binding agreement \u2014 once approved by the required majority of creditors, all parties are bound by its terms, and any remaining eligible balance is written off at the end of the agreed term. An IVA will generally leave a greater mark on your credit profile, but it provides legal certainty and debt relief that a DMP simply cannot offer. The right choice depends entirely on your individual circumstances.<\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<section class=\"form-section section\" id=\"get-help\">\r\n <div class=\"container\">\r\n <div class=\"form-grid\">\r\n <div>\r\n <div class=\"eyebrow eyebrow-light\"><span class=\"eyebrow-dot\"><\/span>Check your eligibility<\/div>\r\n <h2 class=\"heading-lg heading-light\">Find out which solutions <span>may apply to you<\/span><\/h2>\r\n <p class=\"body-lg body-lg-light\">It takes under 60 seconds. There is no impact on your credit score, no commitment to proceed, and no obligation whatsoever after submitting your details.<\/p>\r\n <ul class=\"form-trust-list\">\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>No impact on your credit score to enquire<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Introductions made exclusively to FCA-authorised firms<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Absolutely no obligation to proceed at any stage<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>Your details are handled with complete confidentiality<\/li>\r\n <li><div class=\"ftp-icon\"><svg viewBox=\"0 0 12 12\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"1.5 6 5 9.5 10.5 2\"\/><\/svg><\/div>We never sell your data to third parties<\/li>\r\n <\/ul>\r\n <\/div>\r\n <div>\r\n <div class=\"form-box\">\r\n <h3 class=\"form-box-title\">Check my eligibility<\/h3>\r\n <p class=\"form-box-sub\">Quick, confidential, and no obligation at all.<\/p>\r\n <div class=\"field\">\r\n <label>Total unsecured debt<\/label>\r\n <select required>\r\n <option value=\"\">Please select a range<\/option>\r\n <option>Under \u00a35,000<\/option>\r\n <option>\u00a35,000 to \u00a310,000<\/option>\r\n <option>\u00a310,000 to \u00a325,000<\/option>\r\n <option>\u00a325,000 to \u00a350,000<\/option>\r\n <option>Over \u00a350,000<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field\">\r\n <label>Employment status<\/label>\r\n <select required>\r\n <option value=\"\">Please select your status<\/option>\r\n <option>Employed full-time<\/option>\r\n <option>Employed part-time<\/option>\r\n <option>Self-employed<\/option>\r\n <option>Receiving benefits<\/option>\r\n <option>Unemployed<\/option>\r\n <option>Retired<\/option>\r\n <\/select>\r\n <\/div>\r\n <div class=\"field-row\">\r\n <div class=\"field\"><label>First name<\/label><input type=\"text\" placeholder=\"Jane\" required><\/div>\r\n <div class=\"field\"><label>Postcode<\/label><input type=\"text\" placeholder=\"SW1A 1AA\" required><\/div>\r\n <\/div>\r\n <div class=\"field\"><label>Phone number<\/label><input type=\"tel\" placeholder=\"07700 000 000\" required><\/div>\r\n <div class=\"field\"><label>Email address<\/label><input type=\"email\" placeholder=\"you@example.com\" required><\/div>\r\n <div class=\"consent-check\">\r\n <input type=\"checkbox\" id=\"consent\" required>\r\n <label for=\"consent\">I understand that Go Debt Free is an introducer service and I consent to being contacted by an FCA-authorised debt solutions provider to discuss my options in detail.<\/label>\r\n <\/div>\r\n <button class=\"submit-btn\">Submit my enquiry<\/button>\r\n <p class=\"form-disclaimer\">Go Debt Free may receive a referral fee for introductions. This does not affect the quality or independence of the service you receive from a regulated firm.<\/p>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<\/section>\r\n\r\n\r\n<div class=\"warn-bar\">\r\n <div class=\"container\">\r\n <div class=\"warn-title\">\r\n <svg viewBox=\"0 0 19 19\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M9.5 2L1 17h17L9.5 2z\"\/><line x1=\"9.5\" y1=\"10\" x2=\"9.5\" y2=\"13\"\/><circle cx=\"9.5\" cy=\"15.5\" r=\".5\" fill=\"currentColor\"\/><\/svg>\r\n Important information \u2014 please read before proceeding\r\n <\/div>\r\n <div class=\"warn-grid\">\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Debt solutions may have a significant negative impact on your credit rating for up to six years<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>They may affect your ability to obtain credit, a mortgage, or certain financial products in future<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Some arrangements can affect certain types of employment or professional regulatory standing<\/div>\r\n <div class=\"warn-item\"><svg viewBox=\"0 0 16 16\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\"><circle cx=\"8\" cy=\"8\" r=\"7\"\/><line x1=\"8\" y1=\"5.5\" x2=\"8\" y2=\"9\"\/><circle cx=\"8\" cy=\"11\" r=\".5\" fill=\"currentColor\"\/><\/svg>Fees may be payable in connection with formal debt solutions such as an IVA or Bankruptcy<\/div>\r\n <\/div>\r\n <\/div>\r\n<\/div>\r\n\r\n\r\n<footer class=\"footer\">\r\n <div class=\"container\">\r\n <div class=\"footer-grid\">\r\n <div>\r\n <div class=\"footer-brand-logo\">\r\n <svg viewBox=\"0 0 36 36\" fill=\"none\">\r\n <rect width=\"36\" height=\"36\" rx=\"10\" fill=\"#01472b\"\/>\r\n <path d=\"M10 23s3.5 4.2 8 4.2 8-4.2 8-4.2\" stroke=\"#00c25f\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/>\r\n <circle cx=\"18\" cy=\"17\" r=\"4.5\" fill=\"#00c25f\"\/>\r\n <\/svg>\r\n <span class=\"footer-wordmark\">Go Debt Free<\/span>\r\n <\/div>\r\n <p class=\"footer-desc\">A specialist UK platform providing clear, impartial information about every debt solution available in England and Wales. 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We act exclusively as an introducer.<\/p>\r\n <\/div>\r\n <div>\r\n <p class=\"footer-col-title\">Debt Solutions<\/p>\r\n <ul class=\"footer-links\">\r\n <li><a href=\"#\">IVA \u2014 Individual Voluntary Arrangement<\/a><\/li>\r\n <li><a href=\"#\">DMP \u2014 Debt Management Plan<\/a><\/li>\r\n <li><a href=\"#\">DRO \u2014 Debt Relief Order<\/a><\/li>\r\n <li><a href=\"#\">Bankruptcy explained<\/a><\/li>\r\n <li><a href=\"#\">Compare all solutions<\/a><\/li>\r\n <\/ul>\r\n <\/div>\r\n <div>\r\n <p class=\"footer-col-title\">Guides & Resources<\/p>\r\n <ul class=\"footer-links\">\r\n <li><a href=\"#\">IVA eligibility 2025<\/a><\/li>\r\n <li><a href=\"#\">IVA and credit scores<\/a><\/li>\r\n <li><a href=\"#\">IVA vs DMP comparison<\/a><\/li>\r\n <li><a href=\"#\">Self-employed and IVA<\/a><\/li>\r\n <li><a href=\"#\">DRO eligibility 2025<\/a><\/li>\r\n <li><a href=\"#\">Life after an IVA<\/a><\/li>\r\n <\/ul>\r\n <\/div>\r\n <div>\r\n <p class=\"footer-col-title\">Platform<\/p>\r\n <ul class=\"footer-links\">\r\n <li><a href=\"#\">Eligibility checker<\/a><\/li>\r\n <li><a href=\"#\">Budget calculator<\/a><\/li>\r\n <li><a href=\"#\">Debt breakdown tool<\/a><\/li>\r\n <li><a href=\"#\">About Go Debt Free<\/a><\/li>\r\n <li><a href=\"#\">Contact us<\/a><\/li>\r\n <\/ul>\r\n <p class=\"footer-col-title\" style=\"margin-top:26px\">Legal<\/p>\r\n <ul class=\"footer-links\">\r\n <li><a href=\"#\">Privacy policy<\/a><\/li>\r\n <li><a href=\"#\">Terms of use<\/a><\/li>\r\n <li><a href=\"#\">Cookie policy<\/a><\/li>\r\n <li><a href=\"#\">Disclaimer<\/a><\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n <div class=\"footer-bottom\">\r\n <p class=\"footer-legal\">Go Debt Free UK is not authorised or regulated by the Financial Conduct Authority (FCA). We do not provide financial, legal, or debt advice of any kind. The information published on this website is for general informational purposes only and does not constitute personal financial advice. We act as an introducer service and may receive a referral fee when connecting individuals with FCA-authorised debt solutions providers. You should always obtain regulated financial advice before committing to any debt solution.<\/p>\r\n <p class=\"footer-copy\">© 2026 Go Debt Free UK. 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