Take Control Of Your Finances
Now
See if you could:
Debt solutions are subject to individual circumstances. Information on the available options will be provided to help you make an informed decision.
Can you comfortably afford that payment each month?
Absolutely, I wish I had contacted your sooner
Get a plan to deal with
your unsecured debt
Our specialists will explain the pros and cons of each option, including any risks, costs, and impact on your credit file, so you can choose the solution that's right for you.
Understand the impact
We'll guide you through the short and long-term impact, so you can choose with confidence.
Write off some of your debts
Certain solutions can lead to some debts being written off at the end of the solution.
Freeze further interest & charges
Some formal debt solutions may stop interest and charges.
Make affordable repayments
You could base your repayments on what you can reasonably afford after essential living costs.
Get information on all debt solutions
If you're struggling with unaffordable unsecured debt you could be eligible to write off part of what you owe. There are a number of tried and tested debt solutions that could help write off unsecured debt, reduce pressure from creditors and freeze interest and charges.
Individual Voluntary Arrangement
For those who have a regular income, want affordable repayments & to protect assets
- Debt written off
- Yes, once completed
- Interest & charges
- Frozen upon approval
- Asset protection
- Usually protected
- Job impact
- Low, may affect some roles
- Legal protection from creditors
- Yes
- Fees
- Not upfront, built into payments
Debt Management Plan
For those who want to repay debts in full but need lower monthly payments
- Debt written off
- No, debts paid off in full
- Interest & charges
- May be frozen
- Asset protection
- Not affected
- Job impact
- None
- Legal protection from creditors
- No
- Fees
- Varies per provider
Debt Relief Order
For those with low disposable income, low or no assets, and meet strict eligibility criteria
- Debt written off
- Yes, on completion
- Interest & charges
- Frozen upon approval
- Asset protection
- Some depending on value
- Job impact
- Possible restrictions
- Legal protection from creditors
- Yes
- Fees
- No upfront or admin fees
Bankruptcy
For those who are unable to repay & don't qualify for DRO
- Debt written off
- Yes, after discharge
- Interest & charges
- Frozen upon award
- Asset protection
- May be sold to repay debts
- Job impact
- Possible restrictions
- Legal protection from creditors
- Yes
- Fees
- £680 upfront & admin fees
Appointments available
Expert help without the wait
Share your situation
We'll begin by understanding your income, living expenses and your debts.
Know your options
We'll talk through all the options you're eligible for going through the pros & cons of each.
You decide
Choose the best solution to manage what you owe that could lower monthly payments.
We've helped thousands of people with their debts
Bullying bailiffs at my door no more
Bailiffs demanded payment in full and refused a payment plan knowing I am a single mum of 2 on benefits. I immediately contacted Clear Start and they helped me freeze the bailiffs and put all of my debts into one payment. Thank you guys so much.
Macy Clarke
Rachel Is A Star
Rachel was sooo helpful and caring she understood my situation and answered all of my questions putting my mind at ease
Chantelle Lent
I was overwhelmed with my debts
I was in a sticky situation as I had various monthly payments going out high interest credit cards that were un-manageable on my salary. Now I no longer have to worry about my debts as I am making one little payment every month. I have plenty of money left over at the end of the month to enjoy myself.
James Wordsworth
Frequently Asked Questions
Check if you qualify for debt help.
Confidential, no obligation. Resolve your debts today.
What is your total debt amount?
Include HMRC, utility bills, rent and council tax arrears, benefit overpayments, parking tickets as well as loans, credit cards, store cards and catalogues