Debt Free Direct is the most widely recognised player in the debt solutions industry, and the clear leader in the IVA market. Its proprietary 'Best Advice Model' is used to source the most appropriate solution for an indebted individual's complex financial situation. Debt Free Direct employs over 350 staff in its main premises in Lancashire.

Clear Start provides impartial debt advice to customers who reach it via its website or are referred to it by other financial services organisations. Clear Start can set up a full range of debt solutions using either Debt Free Direct or its preferred partners.

DFD Mortgages is Authorised and Regulated by the Financial Services Authority to advise and arrange regulated mortgage and general insurance for clients referred from other parts of the group. They also offer secured loans from a panel of lenders and will be launching further 'switching' products under the new 'Up & Up' brand in 2008.

Lawrence Charlton is a subsidiary of Debt Free Direct that provides specialist debt solutions where more standard solutions are either not available or not appropriate at the initial point of contact. For example, Lawrence Charlton can set up a temporary informal arrangement with creditors until a more permanent solution is available.

The Debt Advice Trust is a not-for-profit organisation set up by Debt Free Direct. It provides free debt advice to those who make contact – leveraging the systems and resources developed by Debt Free Direct.