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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.

IVA after wage drop and debts spiralling.

Debts cut by 61% - saving £600 a month with an IVA

Your money or your job

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

	£26,706 average debt
	£1,359 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

ClearDebt comments on Latest IVA Figures

Predicted year end figure of 44 000 IVAs Considerably less than estimates of listed peers, which state 80 000 Variance due to other IVA providers inability to arrange IVAs for individuals with lower levels of insolvent debt

David Mond, CEO of ClearDebt commented

"These figures illustrate two very interesting issues. The first is that the growth rate of individual insolvencies remains exceptionally high, raising questions about society's attitude to debt and the creditors' risk management policies.

The more significant issue is over the level of debt at which IVAs are offered. We believe that there is the potential for the total IVA market to increase to approx 80 000 cases, but there would have to be considerable changes within the IVA industry

Currently, ClearDebt is able to arrange IVAs for debtors with £7 500 debt due to our innovative kaizen derived systems. This is considerably lower than the industry average of £15-20 000.

We believe that these people deserve the right to be considered for an IVA and are being failed by an industry lacking the necessary flexability to open up new markets.

Links to related ClearDebt articles:

Individual Voluntary Arrangement (IVA)

Debt forgiven with an IVA

ClearDebt debt survey gives regional, gender and age context for upcoming Government insolvency statistics

Young women IVA seekers have greater debts

People with debt problems are more prepared to cut their children’s activities than to give up smoking

ClearDebt welcomes insolvency watchdog’s proposals on IVAs

CLEARDEBT SURVEY SHEDS LIGHT ON DTI INSOLVENCY FIGURES

IVA alternative to bankruptcy misconception

ClearDebt clarifies IVA process

IVA Rejected but Arranged Structured Repayment Plan to get Finances on Track

Debts cut by 61% - saving £600 a month with an IVA

IVA is not always the right choice

Clear debt with an IVA - and starting life again

Your money or your job

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

Divorce/separation can change your financial life

IVA after wage drop and debts spiralling.

IVA Advice and IVA Help

IVA Advice - Guide to arrange an IVA

IVA Advice - Northern Ireland

IVA Advice - What is the Cost of an IVA?

IVA Advice – Being eligible for an IVA?

IVA Advice – IVA Facts and advantages over bankruptcy

IVA Advice – IVA Facts and disadvantages

IVA Help

IVA Help - How long could it take?

IVA Help - Insolvency Practitioner

IVA Help - Secured loan or mortgage?

IVA Help - What will happen to my assets in an IVA?

IVA Help - What will happen to my home in an IVA?

IVA Help - What information do I need to arrange an IVA?

IVA Protect – Payment Protection Insurance

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Latest news about UK debt

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IVA FAQs

IVA Advice: What exactly is an IVA?

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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?