Clear Start Consumer Debt Service: Site Map
Clear Start Home Page
This page provides an overview of the Clear Start UK National Consumer Debt Service and the debt counselling support offered. Clear Start is a national free support line set up to help people find solutions to recover from serious debt.
Debt Advice
We offer an impartial debt counselling service providing budgeting and financial planning advice. Our debt counselling service is free for UK residents.
We offer a free debt advice service for UK residents. Our qualified debt advisors will help you deal with your debt problems.
Clear Start is a free UK National Consumer Debt Service designed to help find a debt management solution to your serious debt problems. This pages gives details about the support line and service.
Have you been refused a debt consolidation loan or re-mortgage? Our debt consolidation experts can explain why and offer alternatives to help you manage your debt problems.
Our impartial experts can give you free advice to help you manage your credit card debts if you are a UK resident.
If you’re stressed about being chased for late payments, we can help. Our impartial debt experts offer free and confidential advice.
We offer specialist debt counselling for small business and sole traders facing debt problems.
We offer free and impartial financial advice and guidance to UK residents facing debt problems.
Credit Card and Store Card Debt
Specialist advice relating to credit card and store card debt.
Debt after a Death in the Family
Specialist counselling for those facing debt after a death in the family
Debt arising from Divorce, Separation, or Single Parenthood
Advice for those facing debt after a divorce or separation or as a result of single parenthood.
Free and impartial specialist advice for those facing debt as a result of a disability.
Debt from Personal or Secured Loans, Car Financing or Mortgages
We can help you if you are facing debt as a result of borrowing on personal and secured loans, car financing or mortgages.
Counselling for those facing debt as a result of ill health.
Counselling for people in debt as a result of loss of work.
Gambling debt counselling.
Mail order debt counselling.
Small Business or Sole Trader Debt
Small Business debt counselling.
We offer specialist debt counselling for small business and sole traders facing debt problems.
Debt Solutions
We offer free and impartial information about the different debt settlement services available
A comparison of different debt solutions to help you decide which is the best one for you.
Debt Consolidation LoanThis page offers debt consolidation loan information and advice and lists the pros and cons of debt consolidation loans.
Re-mortgages, Further Borrowing and Secured Loans
This page provides impartial advice and information about re-mortgages, further borrowing and secured loans.
We can help you set up a debt management plan with either no-fees services or professional fee-taking providers.
Debt Counselling, Budgeting and Financial Planning
Clear Start is proud to provide one of the most professional debt counselling services in the UK. Whether you have a quick question about your existing situation or whether you want to step through a monthly budgeting process, you can call the free phone number where there is a pool of professional advisors who can help out.
Bankruptcy Help, Advice and Information
This page offers guidance and advice to help you if you are facing bankruptcy. It gives details of the Clear Start free national support line which you can call for bankruptcy help, advice and information.
Bankruptcy Advice and Information
Filing for bankruptcy can be a daunting process. We offer bankruptcy information and advice to help you through this difficult time.
We provide free advice on how to avoid bankruptcy in the UK and information about the alternatives to going bankrupt.
Answers to the most commonly asked questions about bankruptcy.
An overview of the main disadvantages associated with bankruptcy.
Information about how to file for bankruptcy.
Alternatives to going bankrupt.
Details of how going bankrupt can affect your life.
The law relating to bankruptcy.
Individual Voluntary Arrangement
An IVA enables people facing financial difficulties to come to a formal agreement with their creditors rather than having to face bankruptcy. If an IVA is agreed between the debtor and creditor:
- Interest on the loan is frozen
- Legal proceedings are stopped
- The overall debt is reduced
This page provides a detailed explanation of what an IVA is and how it can help you to recover from serious debt. It also contains IVA advice and help.
We offer impartial IVA help and advice free of charge to UK residents. Talk to our impartial IVA advisers to discover how an IVA can help you solve your debt problems.
An IVA (individual voluntary arrangement) is an alternative to bankruptcy. We offer free IVA advice and information to UK residents.
Information about the IVA approval process.
This page explains how an IVA works.
The criteria required to accept an IVA.
This page discusses how much an IVA costs.
An overview of the IVA approval process.
Information and advice on how to set up an IVA (Individual Voluntary Arrangement).
Frequently asked questions about IVAs (Individual Voluntary Arrangement).
This page explores the advantages of an IVA over bankruptcy.
If you are living in Scotland then a Scottish Trust Deed could help you to avoid sequestration.
Sample Cases
Read people's accounts of how they have faced serious debt problems and recovered from them.
Useful Information
Practical tips and advice to help you save money on your bills
UK Debt Law
Late Payment of Commercial Debts Act
UK Government Benefits and Tax Credits
A guide to UK government benefits and tax credits.
Tips on how you can maximise your income.