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 5.10

Small bugfix on chat

Ratings and Reviews

4.0 out of 5
247 Ratings

247 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.

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!

Will Soul555 ,

Stress Freee Debt

It’s safe to say that getting out of debt is closely linked to a person’s overall happiness, because let’s face it; life is not much fun when your finances are being squeezed tightly each month and you’re struggling to make debt repayments.

Being in this situation can actually make life feel pretty miserable, especially if you’re finding you can’t afford to do some of the things you enjoy, such as going out for dinner or buying treats here and there.

Getting rid of your debt can make life seem brighter in so many ways. You’ll have more choices about what to spend your money on and you won’t have to dread the postman arriving with yet another bill for a start. But help is at hand thanks to FREEZE they are very helpful bunch and will go all the way to help hopefully I will start to sort out my debt keep up the good work.

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


  • Family Sharing

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

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