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Clear Debt Warwickshire

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

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Clear Debt Warwickshire: Helping You Overcome Debt

Clear Debt Warwickshire welcomes you with open arms, understanding the challenges of seeking debt help. Our tailored solutions, including Debt Management Plans, Individual Voluntary Arrangements, Debt Relief Orders, and Bankruptcy, aim to support your financial journey towards stability and peace of mind. Explore your options with us today without any pressure or judgment.

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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At Clear Debt Warwickshire, we understand that facing bankruptcy can be a daunting prospect. Bankruptcy is a legal process that allows individuals in the UK to deal with overwhelming debts they cannot repay. It is suitable for those with significant debts and no feasible way to clear them. The process involves declaring bankruptcy, which typically lasts for a year. During this time, your assets may be used to repay creditors, and your credit score will be negatively impacted. However, bankruptcy offers a fresh start once discharged, freeing you from unmanageable debts. If you are considering bankruptcy, seek professional advice to understand your options without judgment.

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Individual Voluntary Arrangements (IVAs) are a viable debt solution for individuals in the UK facing unmanageable debts. An IVA allows you to make affordable monthly payments towards your debts, with the remaining balance written off after successful completion. While it may impact your credit rating, an IVA offers a structured path to clear debts and regain control of your finances. If you are considering an IVA, seek professional advice to determine if it aligns with your financial goals.

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Debt Relief Orders (DROs) are a practical debt solution for eligible individuals in the UK who have low income, few assets, and debts they cannot repay. A DRO freezes debts for a year, providing relief from creditor pressure and allowing you to focus on financial stability. While it can impact your credit rating, a DRO offers a fresh start after 12 months. If you believe a DRO is the right choice for you, seek professional advice to navigate the application process and understand its implications without judgment.

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Clear Debt Warwickshire offers Debt Management Plans (DMPs) as a solution for UK individuals struggling with debt. A DMP is suitable for those with multiple debts who can afford to make regular payments but need help managing them. This plan involves negotiating reduced payments with creditors to make debt more manageable. While interest and charges may be frozen, it can impact your credit score and borrowing ability. Despite this, a DMP provides a structured way to repay debts and regain financial control. If you are considering a DMP, seek advice from a professional to explore if it’s the right fit for you.

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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.

Clear Debt Warwickshire in UK offers tailored debt solutions including DMPs, IVAs, Bankruptcy, and DROs. Get expert advice for your financial stability in Warwickshire.