Feeling crushed by debt? There is a way forward.
DebtFree Uganda is an independent debt-advisory and financial-recovery service. We help individuals and businesses understand their financial position, develop realistic repayment strategies and receive structured support as they work towards financial recovery. Our approach is confidential, collaborative and designed to keep you informed and in control.
Three pathways. One outcome — financial control.
Choose the route closest to your situation. Every pathway starts with a free, confidential assessment.
Personal Debt Help
For individuals seeking financial recovery and structured repayment support — SACCO, bank, mobile-money or digital-lender debt.
Get personal debt helpProfessional & SME Restructuring
For professionals, entrepreneurs and small businesses needing discreet financial restructuring support across multiple creditors.
Explore restructuring supportUrgent Creditor Pressure or Legal Notice
Facing immediate creditor action or a demand letter? Start with a free assessment. We are advisers, not your legal representatives — where a matter needs licensed legal advice, we refer you to a qualified professional.
Start a free assessment
Take a breath. Let's understand what's happening — together.
Most people who come to us have stopped answering unknown numbers. They are working, providing, and paying what they can — and still falling behind. That is not a character failure. It is a structural problem, and it can be worked through.
Your first conversation with us is free, confidential and unhurried. We listen first, then we explain your position in plain language.
Uganda's debt crisis has no recovery infrastructure — until now.
Sources: Ministry of Finance, Bank of Uganda, UMRA 2024.
How DebtFree Uganda Works
Five clear steps, from your first conversation to steady progress — with you informed and in control throughout.
A free, confidential review of your income, essential expenses and every debt you owe, so the picture we work from is accurate.
A realistic repayment strategy built around your circumstances and what your income can genuinely sustain.
You receive the relevant terms, fees and responsibilities in writing and decide whether to proceed. Nothing starts until you approve it.
Repayments are processed securely through an independent payment service provider. DebtFree Uganda does not receive, hold or distribute your repayment funds.
We monitor progress and provide continuing guidance, accountability and adjustments as your circumstances change.
How repayments are handled
Once you understand and approve your repayment arrangement, repayments are processed securely through an independent payment service provider. DebtFree Uganda does not receive, hold or distribute your repayment funds. Before you enrol, we explain the applicable fees, your responsibilities, the payment process and the material terms needed to make an informed decision.
Read how we handle your informationDebtFree Uganda does not receive or hold client repayment funds. Payments are authorised by the client and processed through an independent payment service provider.
Two tiers — built around what you actually owe.
For everyday Ugandans
Debts under UGX 1.5M. Mobile-first. Available in English and Luganda.
- SACCO, mobile-money and digital-lender debt
- One realistic monthly repayment plan you can hold to
- Repayments processed by an independent payment provider — never held by us
- Counsellor support in your language
For professionals & businesses
Debts above UGX 1.5M. Bespoke restructuring for multi-creditor exposure.
- Multi-bank, SACCO and trade-credit restructuring
- Senior advisor relationship, NDA-backed
- Strategy development and coordination support with creditors
- Discreet handling for high-visibility clients
When Debt Collection Becomes a Problem
Debt collection is legitimate when conducted lawfully. But when the calls turn threatening, the amount looks wrong, or someone claims a court case exists — you deserve to know what is actually happening. DebtFree Protect helps you understand, assess, respond, resolve, escalate, refer and recover.
- Verify alleged court documents and demands
- Clarify a disputed balance with evidence
- Prepare a structured complaint to your lender
- Escalate to FOS, UMRA, Bank of Uganda, PDPO or UCC
We do not provide legal advice or representation. Where a matter needs it, we refer you to an appropriately qualified advocate.
How we earn your trust
This is not a loan and it is not a collection service. It is independent advice and structured support, designed to keep you informed and in control of your own recovery.
We do not publish invented client quotes or results. Real client experiences will be published only where clients opt in.
You always know what stage you are at and what happens next.
Nothing proceeds without your understanding and approval.
DebtFree Uganda does not receive or hold your repayment money.
Your information is handled discreetly and lawfully.
Fees, responsibilities and material terms are explained before you enrol.
We do not guarantee write-offs, acceptance or a particular outcome.
Exactly what to expect after you contact us.
No surprises, no small print. Here is what we ask of you, what we will never do, and where our advisory role ends.
What we need from you
- A rough picture of your monthly income and expenses
- A list of your creditors and what you believe you owe
- Any statements, loan agreements or demand letters you have
- Your national ID for identity verification
What we will never do
- We do not lend money or refinance your debts
- We do not guarantee creditor acceptance or a particular outcome
- We do not receive, hold or distribute client repayment funds
- We do not provide legal advice or make unrealistic promises
Your first consultation
- A calm, unhurried conversation — free and confidential
- We listen first, then explain your position in plain language
- We set out realistic options and likely timelines
- You decide what happens next. No pressure, no commitment
When we refer you to a specialist
- Court action, demand letters or legal representation
- Insolvency, bankruptcy or company liquidation matters
- Tax assessments and disputes
- Insurance and investment decisions
Your Privacy Matters
Debt is personal. Your information is treated with the highest level of confidentiality, and nothing you tell us is shared with your employer, your family or anyone else without your agreement.
Read our privacy policy- Only what is necessary
We collect only the information needed to assess your circumstances and give you appropriate advice.
- Never shared without your consent
We never share your personal information without your consent or another lawful basis, except where the law requires it.
- Held securely
Your records are stored securely and access is limited to the advisers working on your case.
- Uganda's data law
We handle your data in line with the Uganda Data Protection and Privacy Act, 2019 (DPPA).
DebtFree Uganda is an independent advisory service. It is not a bank, lender, deposit-taking institution or law firm. It does not issue credit, provide legal advice, guarantee creditor acceptance or receive or hold client repayment funds. Outcomes depend on each client's circumstances and the participation of relevant third parties.
Free guides for borrowers and institutions.
Debt Counselling in Uganda: A Practical Guide
What debt counselling actually does, when to use it, and how it differs from debt collection in Uganda.
SACCO Debt Help in Uganda
SACCO loans are a lifeline — but defaults can spiral fast. Here's how restructuring changes the picture for members and SACCOs.
Mobile Loan Harassment in Uganda: What to Do
If a digital lender is calling your contacts, threatening you, or posting your photo — here are your options.
You do not have to face debt alone.
Free first consultation. Confidential. No commitment. One step at a time.