Freeze Debt, the UK’s leading one-stop debt advice and solutions app, is on a mission to help UK consumers to take their first steps towards a debt-free future. Having helped app users to pay off over £27m to date, the app is revolutionising the way that the debt industry offers solutions and services to debtors. And, the app is, and always will be, completely free to use. Traditionally, debt advice and solutions have been delivered through lengthy, and often uncomfortable, phone calls, which can be a daunting prospect for those already experiencing anxiety or shame as a result of their debt problems. Our app has hugely reduced the time taken to complete this process, and its bespoke in-app messaging service gives customers an alternative way to communicate their worries to expert debt advisors. The app uses OpenBaking, Credit Referencing, and AI technology to reduce the time it takes for customers to receive advice around handling their debt and the solutions available to them based on their personal circumstances. Alternative communication methods give app users autonomy and heightened control over their discovery of a debt solution that suits them, which comes from 24/7 app access, freedom to work through the process in their own time, and debt advisors available to speak to through chat or call functions. Freeze Debt’s experienced team of debt advisors are on hand to chat to customers about their options, and provide advice around the solutions most suited to them, so that customers feel confident making informed decisions about the next steps of their debt-free journey. The stigma around debt still remains, and we want to end it once and for all. We’re doing this through encouraging people to have more honest conversations around finance to provide people with the accurate and helpful information required to make financial decisions that give them a chance at a better financial future and positive relationship with money and spending.