Clear Debts Northampton

Speak to an expert to discover all the debt solutions available to you.

Check if you qualify

Safe, secure & confidential

Advice is free but fees and disadvantages may apply if you enter a debt help solution.
May not be suitable for all.

Help also available at MoneyHelper

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Make one affordable monthly payment to us and we’ll manage the payments to your creditors for you.

We deal with your lenders on your behalf, taking care of all the hassle and paperwork.

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How do I get started?

Answer a few quick questions

Use our easy online questionnaire to start the debt help process.

Speak to a debt specialist

Our friendly, experienced team will explain all the available options.

Choose your plan

Select the best solution for your circumstances and lifestyle.

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What debt are you most concerned about?

Credit Cards

Over Drafts

Unsecured Loans

Store Cards

Personal Loans

Utility Bills

Business Debt

Catalogues

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Advantages of a DMP

We will manage the contact with your creditors and provide them everything they need. So, as long as you keep in touch with us, your creditors shouldn’t need to contact you.

You will just make one monthly payment to us, instead of paying all of your creditors individually.

In the vast majority (99.48%) of cases, creditors will stop applying interest and charges, so the money you pay will come straight off the balance.

You will have an online account which you can use to view your account and make changes.

If your circumstances change, we will renegotiate the payments with your creditors.

Disadvantages of a DMP

Your creditors don’t have to agree to the repayment, or to freeze interest and charges.

A debt management plan doesn’t protect you from further recovery or legal action from your creditors.

Your credit rating will be impacted because you’ll be paying reduced amounts to each creditor. If you’ve been missing payments to your debts it is likely that your credit report will already have been impacted.

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Clear Debts Northampton: Understanding Bankruptcy in the UK
Bankruptcy is a legal process in the UK that allows individuals to be released from overwhelming debts they cannot repay. It is suitable for those with unmanageable debts and no other viable solutions. The process involves declaring bankruptcy, which can have implications on your credit score, assets, and future borrowing. While it offers a fresh start, there are consequences to consider. It’s crucial to seek professional advice tailored to your situation without fear of judgment.

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Clear Debts Northampton: Exploring Debt Management Plans in the UK
Debt Management Plans (DMPs) are a flexible solution for individuals struggling with debt in the UK. Tailored to your financial circumstances, a DMP helps you manage repayments to creditors effectively. While it can positively impact your credit score, there are drawbacks to consider. Seek professional advice on Debt Management Plans to find the best approach for your debt situation without delay.

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Clear Debts Northampton: Insight into Debt Relief Orders in the UK
Debt Relief Orders (DROs) offer a fresh start to individuals with low income and minimal assets burdened by debt in the UK. The application process is straightforward, freezing debts for 12 months. Although it can provide relief, there are limitations to be aware of. Seek expert guidance on Debt Relief Orders to determine if it’s the right solution for your financial challenges.

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Clear Debts Northampton: Debt Help Tailored to You

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Clear Debts Northampton: Welcome to Your Debt Solutions Hub
Seeking help with debt can feel daunting, but Clear Debts Northampton is here to support you. Our range of solutions, including Debt Management Plans, IVAs, DROs, and Bankruptcy, are designed to fit your unique needs. Take the first step towards financial stability by exploring your options with us.

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Clear Debts Northampton: Unveiling Individual Voluntary Arrangements in the UK
Individual Voluntary Arrangements (IVAs) are a popular debt solution for UK residents struggling with unmanageable debt. Tailored to your financial situation, an IVA can provide relief and a clear path to debt freedom. Understand the benefits and considerations of an IVA with expert advice to make an informed decision.

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Clear Debts Northampton in Location offers tailored debt solutions in the UK. Explore Bankruptcy, DMPs, DROs, and IVAs to find your path to financial recovery.

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How does it work?

Let’s say you owe…

Debt Type	Amount
Bank Loan	£5,366.00
Gas Bills	£129.00
Pay Day Loan	£1,989.00
Overdraft	£1,234.68
Debt Collection Agency	£380.16
Short Term Loan	£243.88
Debt Collection Agency	£471.61
Council Debt	£1,009.24
Credit Card	£8,433.00

Total amount owed

£19,256.57

After an IVA

65%
debt written off

IVA Payments
£110
per month

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Example case completed in 2023. Repayment calculated using income and expenditure data. Monthly payments and write off percentages are based on individual circumstances.

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