If you are struggling with debt the mere sound of a phone ringing can be enough to fill you with dread…

Freeze is the first debt payoff planner & tracker app that helps you to find debt solutions and to stop the calls, bailiffs and letters.


It is important to remember that no debt problem is unsolvable. Freeze can help you to deal with unaffordable debt by finding a debt management solution, such as an IVA, DRO or a Money Management Plan.


Being in debt is often an extremely stressful and draining experience. If you’ve racked up a lot of debt and you’re worried about how you’ll pay it off, fear not, Freeze can recommend you debt solutions so that you can improve your money management and get on top of your finances.


Even when you decide to tackle your debt problems, companies providing debt solutions such as IVA’s are all telephone-based, which results in many people continuing to stick their heads in the sand.

FREEZE is the one-stop debt solution app that can help you to find a debt solution and to manage your unaffordable debt.

- Solutions for every debt problem
- Potentially write off a % of your debt
- One affordable monthly payment
- Freeze the calls, the bailiffs and the letters

This app can help you to find debt solutions by pointing out what solutions are available.

- Individual Voluntary Arrangements (IVA'S)
- Debt Relief Orders
- Bankruptcy
- Debt Management Plans
- Trust Deeds


Unlike most debt counselling companies that rely on call centres, our app allows you to avoid intrusive phone calls, pressure and paperwork by allowing you to complete everything in your own time.

Step 1 - Debts

Simply upload your debts onto Freeze Debt and it will offer you personalised debt solutions.

Step 2 – Income and Expenditure

All debt solutions are based on your budget. Just add your monthly income and essential outgoings and the app will calculate your disposable income which can be used to pay off your debts affordably.

Step 3 – Assets

Simply upload the assets you own. We must identify your assets as they can influence which solutions are available.

Step 4 - Solution

The app calculates debt solutions and costs, then, over the chat system, you can speak to an adviser who can answer your questions and guide you on how to put your chosen solution into place.

Freeze Debt Ltd which is registered in England and Wales. Registered Number 11842271. Freeze Debt Ltd is an Appointed Representative of Blackberry Finance Solutions Limited. Our Firm Reference Number is 840092. Blackberry Finance Solutions Limited is authorised and regulated by the Financial Conduct Authority, its Firm Reference Number is 669786.

You can check these details on the register:

For more information please visit our website at

What’s New

Version 4.2

Application process update

Ratings and Reviews

4.0 out of 5
167 Ratings

167 Ratings

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.

Chesskuh ,

Took away all anxiety!

I can’t thank the guys at FREEZE enough. I have been deliberating a debt solution for many months but the stress of having to initiate contact with a company has always made me put it off. I saw this app advertised on Facebook and the ease of direct messaging intrigued me enough to take the plunge. Only 2 days later I am on my way to becoming debt free. FREEZE explained everything for me, reassured me, every step of the way & took all the trouble out of compiling my income and expenditure and creditors away. I was particularly impressed with the easy uploading of bank statements and being able to send photographs of wage slips in app and the response time was incredible, not to mention super friendly! I highly recommend this service to anyone who is in debt but is nervous about taking the step to a suitable solution! Thank you FREEZE!

AC2300 ,


After splitting from my partner I went into a deep depression and the only thing that kept me going was to spend, spend using credit cards after credit card, transferring accounts to zero interest to try to pay back the mess I’d caused myself, I then realised I had to do something about it, so I contacted these guys and WOW I’m so pleased I did, the process was easy, talking to them was easy, I felt ashamed thinking it’s my mess and I can’t get out of it, I was drowning .... if 2020 is your year, contact these guys and make the year better than you could have imagined, I for one never ask for help, but one things for sure if I hadn’t if asked for help from these guys, I’m not sure I’d be writing this review now... contact them life’s too short to constantly worry, have a great 2020 ...


SwapGroup LTD
108.1 MB

Requires iOS 12.0 or later. Compatible with iPhone, iPad and iPod touch.



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  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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