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ClearDebt Analyser

The ClearDebt Analyser is a unique free tool which shows you your best way out of debt - whether an IVA, debt management, debt consolidation or bankruptcy. Immediate results on screen help you say goodbye to debt worries for good!

Debt Repayment Calculator

Easy to use Debt Repayment Calculator illustrates how you can clear your debt and become debt free.

Our debt calculator illustrates the effect of a change in APR on your debts over time.

Become debt free

ClearDebt helps people beat debt and become debt free. Read about our recent cases below where we have helped clear debt.

Taking responsibility - credit card debt dropped by more than 40%

Clear debt with an IVA - and starting life again

IVA slashed monthly payments to £300 - from more than £2,000

Case studies are all genuine individual cases. For confidentiality no real names or photographs are used.

	£26,707 average debt
	£1,360 per month average net income
	58% male
	42% female
	Average age 32

Debt statistics from ClearDebt generated from live user data from people who have completed our Debt Analyser.

R3 IVA standard terms and conditions

Bankrutpcy Advice - Advantages?

Bankruptcy Advice

Go bankrupt and almost all you have becomes available to your Trustee to pay off what you owe. Yet, for some, bankruptcy may be the best (if not the only) option:

Once the bankruptcy period has come to an end, all debts are written off. Depending on your circumstances you may be debt free in 1 year
If you live in rented accommodation and up to date with your rent you will be able to continue paying the rent. You have little to loose and ALL your debts will be written off at the end of the bankruptcy period.

Links to related ClearDebt articles:

Bankruptcy Advice - Disadvantages

Bankruptcy

Bankruptcy Advice - Bankruptcy Order

Bankrupcy Advice - Going bankrupt?

Bankruptcy Advice - My pension?

Bankruptcy Advice - other assets

Bankruptcy Advice - Restrictions

Bankruptcy Advice - What about my home?

Bankruptcy avoided, 75% debt write-off, but after a struggle

IVA prevented business failure

ClearDebt IVA Help Online Application Form Apply Now

ClearDebt is the only IVA company to offer full online IVA applications
Five simple sections to complete a full IVA application
No time consuming filling debt forms by hand
Login when it suits you and complete at your own pace
Personal, private, confidential and secure
You stay in control

Latest news about UK debt

'Affordability likely to worsen for borrowers'
(5 Feb 07) A leading economist has warned that affordability levels for borrowers and homeowners are likely to deteriorate ... more >>

Finance education 'failing young people'
(4 Feb 07) A leading member of the Liberal Democrats has called the level of financial education in the ... more >>

More than 100,000 chose insolvency in 2006
(4 Feb 07) Official figures show that the number of people who went insolvent last year is likely to ... more >>

Desperate borrowers 'feel obliged' to repay debts
(3 Feb 07) Most borrowers genuinely feel guilty about not being able to pay off all their debts despite ... more >>

Sub-standard affordability checks 'deeply irresponsible'
(3 Feb 07) Checks on people applying for unsecured credit have been described by uSwitch as "woefully inadequate". ... more >>

IVA FAQs

IVA Advice: What exactly is an IVA?

IVA Advice: How long will the IVA last?

IVA Advice: Can creditors change their minds if the IVA has been agreed?

IVA Advice: How much will the IVA monthly payments be?

IVA Advice: When is the best time to do an IVA?

IVA Advice: I am self-employed. Can I do an IVA and continue trading?