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Reduce Your
Repayments & Regain Control of Your Debts.

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DEBT SOLUTIONS WE OFFER

Debt Management
Plans

IVAs
individual voluntary arrangements

Online
Debt Advice

Advice on
Bankruptcy

Over 47,000 people looking for debt advice have used this website in the last 12 months. We have the experience and expertise to help you with your problem debt!

Clark Richards offers a complete range of debt solutions to meet each of our client’s needs. We are able to arrange or administer Debt Management Plans, Individual Voluntary Arrangements (excluding Scottish residents), and Bankruptcy Processing. For Scottish clients we are also able to advise and process the initial setting up of Trust Deeds, Sequestration and Debt Arrangement Schemes. Please note only unsecured debts can be included within the debt solutions we offer.

Clark Richards is a commercial debt management company, which means that we are profit-seeking and that fees will be payable in relation to the services we provide. We can only act on your behalf when we are able to take fees from your disposable income. For more information of the exact fees we charge please click here to review our debt solution fees page.

To find out more about money matters and debt advice, visit the Money Advice Service, an independent service set up to help people manage their money.

Free debt counselling, debt adjusting and providing of credit information services is available. Find out more by contacting the Money Advice Service.

Click here for information about our Complaints Procedure and referring a complaint to the Financial Ombudsman Service.

Advantages and Disadvantages

WE CAN HELP REDUCE THE FOLLOWING BILLS

CREDITORS WE CAN HELP YOU WITH

MEET ONE OF OUR HAPPY CLIENTS, KATIE

- Katie Carter, Warwickshire, Client ID 14876



Case Study

Up to date as of 26th September 2014. This client approached us for debt advice on the 9th June 2014. Since making their initial payment on the 25th June 2014 we have had all our offers accepted and had further interest and charges frozen on all of their debts. Please see below for the key Benefits and Disadvantages when taking out a debt management plan as all plans will be different.

Before

Once on Debt Management Plan

Loans £3498.94
Credit Card £33,052.85
Overdrafts £1485.17
Catalogues £990.03
Total Debt £39,026.99

Total Repayments

£790.40

Interest frozen
Charges frozen
Listed as third party representatives
Offers accepted
Just one monthly repayment

Single Repayment

£251

Before

Loans £3498.94
Credit Card £33,052.85
Overdrafts £1485.17
Catalogues £990.03
Total Debt £39,026.99

Total Repayments

£790.40

Once on Debt Management Plan

Interest frozen
Charges frozen
Listed as third party representatives
Offers accepted
Just one monthly repayment

Single Repayment

£251

See Our Solutions Now »

LATEST DEBT NEWS

I’ve received a CCJ letter… now what?

29 October 2014

It’s not uncommon for people who are heavily in debt to receive a County Court Judgment as a result of ignoring phone calls and letter from creditors demanding payments. Remember you can receive CCJ from more than one creditor, which makes matters more complicated. But what is the course of action to be taken once you […]

Read more »

What to do when creditors call you?

28 October 2014

Receiving constant calls from creditors demanding repayments is an experience no one likes to go through. Creditors are allowed to contact you but there is a line they must not cross. All means of communications must not be illegal or cause harassment. Fair & proper conduct According to the Financial Conduct Authority (FCA) creditors are […]

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Child poverty in the spotlight… again!

23 October 2014

Government is being challenged to tackle child poverty to prevent the growing division between the haves and the have not’s with debt becoming the ever present feature within UK households. A leading charity has warned that future issues will be dominated by the lack of social mobility as a result of long term youth unemployment […]

Read more »

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Back in the summer we talked about the rise in personal insolvency due to high financial demands crippling families http://t.co/jSCOCdDeAR

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Once on #debtmanagement your #creditors sometimes agree to freeze your interest and charges for the term of the plan

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It’s not uncommon for people who are heavily in debt to receive a County Court Judgement.

We take you through the steps to dealing with creditors once a CCJ is issued!

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Reduce Your
Repayments &
Regain Control of
Your Debts.

Find A Debt Solution

the Money Advice Service

When people are struggling with debt it’s more important than ever that they have access to effective advice. We work with partners to make debt advice easier and quicker to access, and to improve standards and quality across the sector.

Visit the Money Advice Service website for further info »