Debt help: What are my options?


At ClearDebt we’ve been helping people out of debt since 2004. Our founding principle?

To provide a safe place for people in debt to come for help, guaranteeing a transparent and ethical service at all times.

We propose and administer Individual Voluntary Arrangements (IVAs) and only provide advice on the basis that there is reasonable contemplation of an insolvency appointment, once it is apparent that an IVA is likely to be the most appropriate debt solution.

You will be given information about all debt solutions and signposted if an IVA is not most appropriate to your circumstances.


Debt solutions

Debt solutions for residents of England, Wales and Northern Ireland


Debt solutions for Scottish residents



Debt help guides

Find out more about how to deal with a bailiff with this comprehensive guide.

This guide explains how to act if you are contacted after six years or more for a debt.

In this guide we explain what a CCJ is and what to do if you receive one.

View all of our comprehensive help guides on a range of topics from improving your credit ratings to paying your utility bills.


Free debt advice and services

The Money Advice Service is an independent service set up by the government to help people manage their money. If you would like to look at alternatives to ClearDebt, The Money Advice Service provides details of organisations that provide free debt advice and services. For more information visit their website.

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Quality service

ClearDebt is a founder member of Debt Resolution Forum (DRF), which provides standards, monitoring and for debt resolution firms. DRF is the only organisation to achieve The Money Advice Service’s quality standards framework and ClearDebt follows DRF’s code and professional standards.

ClearDebt provides quality debt advice and services that meet the needs of our customers. All the staff you will deal at ClearDebt will either have, or are studying for, the Certificate in Debt Resolution.

DRF Full Member

Real reviews

Read about our customer’s experiences of our service and how we’ve helped them deal with their debt problems. Read more on our Reviews Page.

Get in touch


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Debt help: what are my options?

Updated on 2016-11-07T13:58:08+00:00, by Paul Gailey.