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Debt Help

Solving debt problems

Debts can be a very big challenge when you find monthly amounts have become unaffordable, or if you have difficulties with repayments following a change in financial circumstances. Good debt advice is essential before dealing with any debt problem, because the entire range of debt solutions has to be considered. The best debt solution in any particular situation could be an IVA or a Debt Management Plan, or it could be something else. To make sure that you control and then eliminate your debts, you need to have impartial and expert advice that takes into account all of your debts, including credit cards, personal loans, overdrafts, outstanding bills and more. What debt solution is best will also depend on your income.

Impartial debt help

ClearStart makes sure that all important financial issues are taken into account including your total debts, your monthly earnings and what you need to live on each month. Following analysis of your own particular circumstances, we give you honest advice on the best possible debt solution. Because ClearStart does not depend on funding from lenders or banks, we are able to recommend the debt solution that works best for you. Where appropriate, that includes negotiating a fair deal with creditors so that you can become debt free as soon as possible.

Help with all kinds of debt

The right debt solution will depend on precise circumstances but ClearStart offers support on all kinds of serious debt problems. It may be that you fear that you may have to face bankruptcy, in which case we will work hard to show you all of your other options – even large debts can often be resolved without having to go bankrupt. Many people who ask ClearStart for help find that their situation is not as bad as they feared, and that becoming debt free is possible while minimising their problems. If you are currently experiencing serious debt problems of your own, it is important to seek help quickly.

Types of debt

Debt problems often involve many different types of debt. ClearStart is experienced in analysing all of the debts you might have. For example, you may be facing unsecured debt on some or all of the following:

• credit cards, where monthly payments have got out of hand
• store cards: often a particular problem thanks to high interest payments
• personal loans that were taken out for a specific purchase
• bank overdrafts that have accumulated over time
• hire purchase payments on furniture, a car or other items
• outstanding utility bills

Debt management

Larger debts are often resolved using an IVA but ClearStart is also able to give impartial advice on debt management. Debt management means that we negotiate with the people you owe money to on your behalf and agree lower monthly payments, sometimes with additional benefits such as a freeze in interest payments. Whether an IVA, debt management or some other debt solution is best, ClearStart will show you all of your options for becoming debt free.

Immediate debt problem support

You can access immediate help with your debt problem by contacting ClearStart today. An experienced debt professional will help you to assess your financial options and to decide on the debt solution that is best for you.

 

Give us a call on 0800 988 9345 for immediate debt help

or complete our online application form.

Further reading:
Debt Help | Debt Advice | Debt Solutions | Debt Management Plans | Store Card Debt | Credit Card Debt | Loan Debt | Remortgage Debt | Debt After Death

Three steps to a better future

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