Here is a selection of useful resources from across the internet. Bookmark this page for debt advice, steps to avoid bankruptcy and budgeting guides.
When considering the right debt solution for you, we find the
most helpful source of extra advice comes from people who have been
in your shoes already. The community pages of our website offer a
platform for anyone to post a question, receive support from our
trained staff or find someone else in a similar situation to their
own- ultimately giving you a 'voice' to discuss your issues
regarding debt and financial strain.
You can also read a blog written by one of our clients who has successfully completed his IVA and shares his story on our website whilst another talks honestly about how she robbed Peter to pay Paul until she came to terms with her debt and asked ClearDebt for help.
If you decide you are more suited to a Debt Management Plan (DMP), then you can read about the advantages and disadvantages of this solution on our website.
As you will see on our site and others such as National Debtline's, a Debt Management Plan offers you an informal solution to your debt. Our team will liaise with your creditors and arrange one, affordable monthly payment from you, which we will then distribute accordingly to your creditors; no more angry phone calls and the chance to take your first steps towards a debt free future.
A free independent service set up by the government, the Money Advice Service aims to help everyone manage their money better. They offer clear, unbiased money advice to help people make informed choices and is a useful source of information.
Citizens Advice Bureau is always a good place to start your search for debt advice. The information they provide can give you a good understanding of your situation and help you decide how to progress further.
R3, the Insolvency Practitioner's representative body has some useful publications which can offer you sound advice if you or your business debt is becoming unmanageable. Their website offers several guides which offer advice for those in business debt, and/or personal debt.
No debt solution should be taken lightly, but if considering bankruptcy, it is important you understand the lasting implications this may have on your life. ClearDebt and can assist you should this be the path you decide to take. For further information on bankruptcy, you can also visit the Bankruptcy Advisory 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.