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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

CCJs on the rise – Should consumers worry?

27 May 2015

There has been a number of interesting debt industry developments either side of the bank holiday weekend. One of them has been the announcement that consumers in England and Wales faced 20% increase in County Court Judgements (CCJs). During the first quarter of this year there were over 209,000 CCJs with a notable decrease in […]

Read more »

Managing debt with common sense

26 May 2015

Managing debt may seem an uphill challenge in the beginning as you figure out a way to keep all your creditors satisfied. It’s natural to feel confused, sometime making mistakes in the process, but by applying common sense you can build yourself a solid platform to move ahead. When managing debt with common sense you […]

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Before you borrow money 5 things to know

20 May 2015

Do you plan to borrow money to ease cash flow? Have you thought about how you’ll pay it back? Before you borrow money in the form of credit cards, payday loans or an overdraft, ask yourself about how you will be able to repay it. It’s easy to go to a credit binge on a […]

Read more »

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Number of county court judgments (CCJs) against consumers in England and Wales has increased more than 20 per cent to over 209,000.

Are creditors using different tactics to claim money back? Read more on our blog

www.clarkrichards.co.uk/ccjs-on-the-rise-should-consumers-worry/
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Reduce Your
Repayments &
Regain Control of
Your Debts.

Get In Touch Today

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 »