The next step is to find out which debt solutions you might qualify for. Answer some simple questions and one of our qualified debt advisors will call you to discuss what options are available to you.
Our friendly, professional advisers will help you find the debt solution that is right for you.
It’s always best to talk things through with an experienced debt adviser before you decide to enter into an arrangement.
This is because the debt solution that is best for you depends on your personal circumstances.
Our debt advisers can assess your individual situation and help you make the right decision from all the available options so that your money pays off your debt in the most effective way possible. This means that you could be debt free sooner than you thought.
With so many types and levels of debt help available, it is important to understand what is on offer and be able to compare the pros and cons of each. We have provided an overview of just a few options that may be available to you such as Trust Deeds, IVAs, Debt Management Plans, Debt Arrangement Schemes, Bankruptcy, and Sequestration. However, there are more options that could be available to you such as debt consolidation loans and it is important to speak to one of our advisors to ensure you can make an informed decision.
A debt adviser will:
- Treat everything you say in confidence.
- Give advice about better ways of managing your money.
- Never judge you or make you feel bad about your situation.
- Suggest ways of dealing with debts that you might not know about.
- Always be happy to talk to you, however small or big your problem is.
- Check you have applied for all the benefits and entitlements available to you.
You might only need to have one conversation with an experienced debt adviser to make sure that your plan to manage or clear your debts is the right one for you.
If you need more support or don’t know where to start, you’re not alone.
Nearly half of people in debt told us they aren’t sure about the best way to pay off their debts, and that is where a debt adviser can really help you.
Over eight out of ten people who have got debt advice tell us they feel less stressed or anxious and more in control of their life again.
People who let a debt problem build up often find things have:
- Spiralled out of control
- Their cards are maxed out
- No-one else will lend to them, and
- It takes much longer to pay back what they owe.
Credit Clarity has no upfront fees or set up costs, your conversation with us is confidential and you can contact an adviser in a way that’s best for you – online, over the phone or face-to-face.
Take the first step to being debt free.