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DEBT SOLUTIONS WE OFFER

Debt Management
Plans

IVAs
individual voluntary arrangements

Online
Debt Advice

Advice on
Bankruptcy

the Money Advice Service

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.

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 our clients behalf when we are able to take fees from our client's disposable income. For more information of the exact fees we charge please click here to review our debt solution fees page.

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 please click here.

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

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Household debt took centre stage this week as a new report suggested it will rise to record levels by 2016. Warnings of complacency and ease of access to credit once again highlighted the precarious nature of the average household in the UK. Growing consumer confidence as a result of low interest rates and slight boost […]

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The bankruptcy conundrum

24 March 2015

Solving the bankruptcy conundrum can be tricky when you’re stranded under the strain of personal finances. There are so many questions to be answered. Should I bite the bullet and declare bankruptcy? Would it be better to opt for another debt solution? What are the consequences if I am declared bankrupt? Let’s have a deeper […]

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Council tax debt – How to deal with it

18 March 2015

Council tax debt has been in the news lately with people complaining of harsh treatment from local authorities demanding payment. Council tax debt is considered a priority debt because of the severe consequences for failing to pay it off. Council tax debt has become the most common problem people are asking about say the Citizens […]

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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.

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