ClearDebt - Debt Help Links

Debt Help Links

Debt solutions, avoidance of bankruptcy & debt help links

Bookmark this as your jumping off page for debt advice, avoidance of bankruptcy and cutting your costs. We are looking for more debt help links all the time, and are happy to hear your recommendations - email us here.

Redundancy help

has free independent advice on Redundancy including Redundancy Pay, Employment Law and offers Free Legal advice. Visit them at www.redundancyhelp.co.uk.

The Motley Fool

has some good advice for people in debt. You have to wade through ads for low rate credit cards and loans to get to it, as well as sites that help you switch to cheaper utilities. These may seem tempting - and can make a difference - but if you are already in hock up to your neck, think carefully before you apply for more credit. Oh, and if you look at the Motley Fool's advice on IVAs, they tell you to look for the cheapest practitioner. That's almost certainly us! Finally, they have an article by someone who went through an IVA - so if you want to know what it is like, click here (You'll have to sign up for Motley Fool, but that costs nothing and is probably worth it for a warts-and-all-view of an IVA in practice).

How an IVA works

Another straightforward guide to the way an IVA works: IVA Info UK - IVA UK and IVAs UK Related Links
To find out more about a ClearDebt IVA please look at our page "what is an IVA?"

Debt Management

If you decide you can manage your way out of debt - then the cheapest way is to arrange a debt management plan on your own, DIY debt management (though don't underestimate the work you'll need to do and the stress it can cause). National Debtline have lots of debt advice and free debt advice guides to help you through the process.

Moneysavingexpert.com

Taking your household budget seriously is an important step in dealing with debt. When it comes to saving money, you should bookmark Moneysavingexpert.com . It's worth subscribing to the newsletter too.

BBC - Your Money

The BBC, as with almost anything, has terrific resources on debt and money management. When we have time we'll probably put a few more Beeb links here. However, If you want a quick and painless ( you don't need to input a single figure) overview of what your financial priorities ought to be - you could do worse than click here.

Bankruptcy Advisory Service

If bankruptcy looks like the only way out ( see our information on this here), then you can do a lot worse than talk to the Bankruptcy Advisory Service, for good, friendly debt advice.

Citizens Advice Bureau

Citizens Advice Bureau is always a good place to start your search for debt advice. Here is their office directory. And, here is what they have to say about debt.

R3, The Association of Business Recovery Professionals

R3, the Insolvency Practitioner's representative body has some useful publications. For example, it has a useful guide to your debt options click here. Or, for important background on whether an IVA is the right choice for you - click here (If ClearDebt is helping you with an IVA, we'll send you one of these anyway).

Government Insolvency Service

The Government Insolvency Service has a database of licensed insolvency practitioners, including details of their regulatory bodies. If you've chosen to deal with an IP (and why not?) you can check them out here.

Links to related ClearDebt articles:

Comparison of debt options
Guide 1 - Credit Rating
Debt Advice - CCJs
Debt Advice - Interim Order
Downloadable debt help guides
Free Debt Advice

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Latest news about UK debt

Nationwide welcomes credit card praise
(Fri, 15 Feb 2008) Nationwide Building Society has welcomed the news that it has been named as the best credit card provider in the UK at this year’s Card Awards. With millions of consumers struggling with high levels of debt management, the building society has suggested that the transparency and the quality of the information it provides has played an ... more >>
Brits ‘being hit’ by balance transfer hikes
(Fri, 15 Feb 2008) Many British consumers are facing increased pressure on their personal finances as a result of rising balance transfer fees, according to a recent report. Moneyfacts.co.uk has claimed that since people with credit card debt first started being charged for transferring their balances four years ago, the associated costs have become increasingly difficult to pay off. The price ... more >>
Report highlights UK’s ‘credit culture’
(Thu, 14 Feb 2008) UK consumers are far more comfortable about paying for goods and services using credit card debt than any of their European cousins, according to a new report. Research by Datamonitor has found that at the end of 2006 the average British adult had at least twice as many credit cards as ordinary consumers from any other ... more >>
Statto declared bankrupt
(Thu, 14 Feb 2008) The man known to TV sports fans as ‘Statto’ has been declared bankrupt by Manchester county court, it has been revealed. It is not known exactly how betting expert Statto, real name Angus Loughran, found himself in such serious debt management difficulty but it is believed to be related to unpaid council taxes. The Insolvency Service has ... more >>
Credit card users warned over order of payments
(Thu, 14 Feb 2008) Credit card users have been warned that many of the foremost providers in the UK do not clear the most expensive forms of debt first. Research by Moneysupermarket.com has found that the order of payment patterns used by financial service firms could leave people with credit card debts in the red for longer than necessary. In fact, ... more >>

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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 Management Comparison

The Debt Management comparison tool compares the likely impact of an IVA or a debt management plan on your debt and your pocket. Once you have input your real figures you’ll get an instant comparison for free. You might be surprised by the result!