Freeze Debt 4+

Expert Debt Advice & Solutions

SwapGroup LTD

Designed for iPad

    • Free




Freeze Debt is the UK's leading, multi-award-winning debt advice and solutions app, providing users with an alternative, stress-free method of communication to get on top of unmanageable debt.


With Freeze, there are only three steps standing between you and a brighter financial future. Simply:

• Add your debts
• Let us know your budget
• Tell us about any assets you own

And that’s it.

Freeze’s AI technology will then calculate which debt solutions you’re eligible for and what your new monthly repayments would be.


Our in-app messaging service is easily accessible and our debt advisors are experienced in finding and setting up solutions based on the individual circumstances of our users. They’ll talk you through your options, answer any questions you may have and help find a solution that is personal to you and your financial situation.


With options to complete either a quick or full assessment, the Freeze app has revolutionised the way those in financial difficulty can find a debt solution.


We take the stress away from debt. No awkward phone calls. 24/7 app access. Find a solution at a time and pace that suits you.


For more information about the service we provide, check out our website:

Freeze Debt is owned and operated by Carter Halliwell. Carter Halliwell is registered in England and Wales. Registration number: 09741889. Their registered address is Westwood Park, Wigan, WN3 4HE.

What’s New

Version 6.1

Small bug fixes

Ratings and Reviews

4.0 out of 5
338 Ratings

338 Ratings

Ste201079 ,

Life saver!

After getting myself into a position I really shouldn’t have in the first place, I was at a point where I couldn’t see no light at end of the tunnel! I came across this app on Instagram, I wasn’t keen on it, I was like hmm, I’ll apply anyway and see what happens. I thought I wouldn’t answer the phone or anything but I signed up, filled out all the details and not long after I was in a chat with a freeze debt advisor who was so patient and understanding. You ain’t expected to take a phone call so there’s no pressure, you’re in a chat and you reply at your own pace. I was on there for a couple hours as a lot has to be discussed, it’s then passed into a senior advisor who goes through things too. There are a few stages but once you passed them all and everything explained, you could be paying a very low amount every month not the huge amounts you was before. Don’t think, just go for it, could be best decision you make!

JackyC73 ,

Breathe again

For the last 5 months, I haven’t slept or been able to focus on anything without the feeling of doom over my debts. Pay day would come and then debt day the day after, leaving me nothing to actually live on. Barely existing and feeling horrible for the next month until the cycle repeated itself.
Yesterday I had had enough and the Freeze advert came up on my Facebook. I downloaded the app, filled in the details feeling a little bit sick to be honest looking at how much I actually owed. The app chat was brilliant and really gave me a feeling of hope that there is a way out from this cloud I’ve lived under for months now.
Today I spoke to Jonathan and Nuri
who are both amazing. A plan looks like it’s in action to allow me to breathe again. I know I’m the one who got myself into this stinking mess but with Freeze’s help, I can hopefully get out of it!
If you’re struggling, reach out to this lot. You are not alone...They are fabulous and will give the best advice.

Bexables ,

One of the best things I ever did!

My debts were £1200 a month and it was killing me! I’d looked at IVAs online but I hate phone calls so I didn’t bother. Saw an Instagram advert for Freeze and the reviews were positive so I gave it a go. 80% of my communication with them was done via chat messaging in their app. Their staff were friendly and helpful, couldn’t fault them! After sending in my documents they calculated that I could pay £153 per month towards my debts instead of £1200! A huge saving! I agreed, had one phone call with an IVA practitioner to confirm all my details and now my IVA is in progress. There is no one out there who offers a modern IVA or DMO service in this way. It’s modern, easy, stress free and quick. I can see why they’ve won awards. If you’re struggling with debt and can’t see a way out, download this app, complete their questionnaire and chat to them in the app. You’ll be so glad you did.

App Privacy

The developer, SwapGroup LTD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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