What Debt Solutions are available to you?

Debt Management Plan

Only pay what YOU can afford. Stop calls and letters and let someone else debt with your debts. More...

IVA

You may qualify to write off up to 70% of you debt with an IVA. Debt free in 5 years and keep your assets.More...

Consolidation Loan

If you are a homeowner you might be able to re-mortgage your property and release money to clear debts. More...

Bankruptcy Advice

If you are looking for advice and assistance in declaring yourself bankrupt then we can help. More...

What Debt Solution is right for you?

Have you got debt problems? There are many solutions for helping you get debt free. For the best debt advice we recommend you give us a call on 0800 988 3359 for some free impartial debt advice. We not only offer great free debt advice but we also specialise in debt management, IVA solutions, bankruptcy advice and filing bankruptcy assistance. Please use our free Debt Calculator to work out what debt solution could help you become debt free.

What is Debt Management?

Debt management programmes are a great way of clearing your unsecured debt in a simple and effective way. A debt management plan could turn all your loans, credit cards, store cards and outstanding overdrafts in one single repayment. When using one of our debt management services an advisor will consider your priority debts, which include mortgage or rent payments, utilities, living expenses and council tax; they will then calculate an amount you can afford to pay. Any money left over is put together into a single monthly payment and shared out amongst all your creditors on a pro-rata basis.

Why choose Debt Management?

If you are struggling to keep up with you debt repayments and maybe think that you will have to go bankrupt, well you are wrong. A debt management plan would allow you to reduce your debt repayments to an amount that you can afford and stop all of those nasty calls and letters. Debt management can also freeze interest and charges on your debts, so you can get debt free quicker.

If you are having problems with your debts it is important that you get some advice and assistance sooner rather than later to ensure that you debt level does not increase due to high rates of interest and charges. If you want to avoid bankruptcy or further court action from your creditors then you can apply for a debt management plan with Clark Richards. You could become debt free in less than 3 years.

Is a Debt Management Plan right for me?

Debt management is a suitable debt solution if you owe over £1000 of debt to two or more different companies. If you have debts of over £13,000 then you may qualify for an IVA. An IVA would allow you to write off up to 75% of your total debt. Call us now to discuss if you could write off over 75% off your debts today.

Here is a list of criteria you must meet to qualify for a debt management plan:

• You are struggling to pay your debt repayments.

• Your debt situation is not severe enough to consider bankruptcy.

• You can afford to pay £60 or more towards your unsecured debts each month.

• You have 2 or more debts.

If you think that you meet the above criteria and would like to have an informal, no obligation chat with one of our debt advisors then please call us free on 0800 988 3359. If you don’t meet the above criteria then we may need to talk to you to work out the best debt solution for you. So call today for free debt advice.

What debts can you help me with?

We can deal only deal with your unsecured debts, by this we mean debts that are not secured against your home, car or other valuable belongings.

Below is a list of debts we can help with:

If you have a debt that is not in the above list then we may still be able to help. So please call us today for free debt advice on 0800 988 3359.

How do I get a Debt Management Plan started?

We will need to speak to you to confirm some information so please Click Here and complete the contact us from and we will get back to you shortly or you can call us on free phone 0800 988 3359.