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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!
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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.
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| Case studies are all genuine individual cases. For confidentiality no real names or photographs are used. |
 R3 IVA standard terms and conditions |  |
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Comparison of debt options
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It can sometimes be confusing when considering different debt solutions. The following comparison table should help clear things up.
| Question | IVA | Debt Consolidation | Debt Management | Bankruptcy | | Will my debts be wiped clear within an agreed period? | yes | no | no | yes | | Will interest be frozen? | yes | no | no | yes | | Will charges stop? | yes | no | no | yes | | Will my monthly repayments be reduced? | yes | maybe | yes | yes | | Will I be protected from unsecured creditors? | yes | no | no | yes | | Can I keep my house? | yes | yes | yes | no | | Are all creditors legally bound to write off debt I can't afford? | yes | no | no | yes | | Will creditor action stop? | yes | no | no | yes | | Will my credit-rating be damaged? | yes | maybe | probably | yes | | Is it a confidential procedure? | yes | yes | yes | no | | Will I avoid the stigma of bankruptcy? | yes | yes | yes | no | | Is the procedure dealt with by a professionally qualified and licensed specialist in personal debt? | yes | no | sometimes | yes |
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| Links to related ClearDebt articles: Guide 1 - Credit Rating Debt Advice - CCJs Debt Advice - Interim Order Debt Help Links Downloadable debt help guides Free Debt Advice Bailiffs: the law and your rights Citizens Advice about Final Demands |
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- 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
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