• The Different Debt Settlement Solutions

    • Advice on a range of debt solutions
    • Tailored to your own needs
    • Take action to address your debt

    Understand all of the possible debt settlement solutions available to you so that your decision making process is easier and you are better informed.

    CALL US ON 0800 954 6241 TO DISCOVER YOUR DEBT SOLUTION

  • Debt Settlement

    Speak to ClearStart Debt Settlement helpline on 0800 116 4918 and we might help you decide what debt settlement solution might work best for you. We will discuss which solutions are good choices and why.

    For example, you might want affordable monthly repayments, or to cut the total amount you’ll have to pay and so on.

    Note: You need to bear in mind that not all debt settlement solutions offer a final, legally binding solution to your debts. For example, an IVA can help to address your debt over five years, whereas a Debt Management Plan will not have a firm end date.

    There are many things to consider before making a final decision and ClearStart debt settlement service is ready to help if you need to find out more about any of your options.

    Call us today on 0800 954 6241 or  Request Call Back to discuss further about a suitable debt settlement solution just right for you.

     

      not possible/poor choice
      possible but not recommended
      recommended


    Your choices for different sizes of unsecured debt

     

     

    Total credit card debts, personal loans etc. Consolidation Loan
    Good for smaller debts. Impossible over £25,000    		 Re-mortgage
    Possible for higher debts    		 Debt Management
    Good for smaller debts if consolidation or IVA impossible    		 IVA
    Best for debts over £12,000    		 Bankruptcy
    Last resort
    Up to £1,000          
    £1,000 – £15,000          
    Over £15,000          
    Over £25,000          


    How to get the most affordable monthly payments

     

     

    How much can you pay each month? (total after-tax income minus essential spending) Consolidation LoanGood for smaller debts Re-mortgagePossible for higher debts  Debt ManagementGood for smaller debts if consolidation or IVA impossible  IVAUsually needs payments over £300 per month  BankruptcyLast resort 
    Less than £100          
    £100 to £300          
    Over £300          


    Total amount payable and how long things take

     

     

    What are your other financial priorities? Consolidation LoanCan work if applied correctly Re-mortgageCan work if applied correctly  Debt ManagementCan take a long time to clear debts  IVAGives you a once-and-for-all solution  BankruptcyLast resort but gives you a once-and-for-all solution  
    Freezing your interest and charges          
    Clearing your debts in five years         3 yrs
    Reducing your debt          


    Protecting yourself from creditors and stopping legal action

     

     

    How much do creditors worry you? Is legal action imminent? Are phone calls becoming too much? Consolidation LoanOK but take care to pay off all debts Re-mortgageOK but take care to pay off all debts  Debt ManagementNo protection adverse effects  IVAProtection is enforced by law  BankruptcyProtection is enforced by law  
    Not a major concern          
    A cause for concern          
    Must stop quickly          


    Effect on your credit rating and borrowing in the future

     

     

    How important will future borrowing (e.g. mortgage) be to you? Consolidation LoanA good choice Re-mortgageA good choice  Debt ManagementSome adverse effects  IVASome adverse effects  BankruptcyYou will be refused credit afterwards  
    No need to borrow ever          
    Nice to be able to borrow          
    Must be able to borrow          
    Intend to have a mortgage          


    Is the solution regulated?

     

     

    Are you worried about getting best advice that’s regulated by law? Consolidation LoanSome poor advice around Re-mortgageSome poor advice around  Debt ManagementGreat care needed  IVAWell regulated  BankruptcyWell regulated but a last resort  
    It’s OK – I know financial products          
    I need good advice          
    I’m very concerned          


    Other issues

     

     

    How much do the following issues matter to you when making your choice? Consolidation LoanA well controlled solution Re-mortgageA well controlled solution  Debt ManagementThreats of legal action will continue  IVAA well controlled solution  BankruptcySerious consequences  
    Keep my home          
    Keep my car          
    Avoid social stigma          
    Control the outcome          
    Career Aspirations          

     

    Call ClearStart Debt Settlement service today on 0800 954 6241 or  Request Call Back to discuss further about a suitable debt settlement solution just right for you.

     
  • LiveZilla Live Help
  • Contact ClearStart

    Discuss your debts and receive confidential no obligation advice, please call us on:

    0800 954 6241

    OR

    Let us Call You Back

    Complete our short form below and one our UK based advisors will call you shortly

      I agree to the privacy policy