Debt Management consolidates debt into one low affordable payment.
Repay your debts at a level you can afford. Debt Management Plans are an informal arrangement between you and your creditors, negotiated by us on your behalf.
Write off the debt you can't afford with a ClearDebt IVA.
An Individual Voluntary Arrangement (IVA) is a formal agreement between you and your creditors whereby you repay what you can afford, usually over 60 months. After which, the outstanding debt is written off.
Bankruptcy is for individuals with debts that they cannot pay.
Bankruptcy has restrictions and is often the last resort. Bankruptcy is usually applied when no alternative debt solution can be offered to your creditors. We offer full support at every step of your application.
If you have access to a lump-sum, a full and final settlement may be the best course of action.
A full and final settlement offer is a partial repayment to your creditors in the form of a single one-off lump sum payment in exchange for writing off the remainder of any outstanding debt.
Debt news & advice
It is perhaps surprising given the ongoing financial difficulties being faced by households up and down the country at present that new research has revealed as many as one in seven Brits would spend up to £100 on an impulse purchase.
A considerable proportion of people are feeling the pinch when it comes to stretching their finances to the end of the month and this has resulted in many individuals being charged for use of an unauthorised overdraft.
New research has highlighted the average cost to parents of supporting their children beyond the age of 18 in the UK.
Portrayals of debt on television may not show the full consequences of this situation and, as such, may be encouraging more people to borrow in an irresponsible manner.