THE CLEARER WAY THROUGH DEBT
When debt feels
overwhelming,
clarity changes
everything.
Struggling with debt? Understand your options—from IVAs to debt management plans and free independent advice. No pressure. Just a clearer way forward.
commitment.
What’s on your mind?
I can't keep up with payments I'm considering an IVA Something urgent is happeningMY DEBT CLEARED IS AN INFORMATION AND MARKETING INTRODUCTION SERVICE, NOT A DEBT ADVISER. HOW WE WORK ↗
SCROLL TO EXPLORESEARCH EVERY GUIDE, TOOL AND LETTER
What are you worried about?
People are looking for help with: Bailiff at my doorCreditor keeps calling meWho is chasing me?What happens if I stop payingI can’t pay my credit cardI’ve received a court claimI don’t recognise this debtI can’t pay council taxI don’t know who I oweI need a letter to my creditor
WHERE ARE YOU RIGHT NOW?
Tap where you are.
It can stop here.
Debt problems follow a path, and the path is predictable. Choose the stage you’re at and see what actually happens next — and what you can do about it today.
A default notice is a legal warning — and a deadline.
You normally have 14 days before the account defaults and the entry sits on your credit file for six years. Acting inside that window is the difference between a warning and a formal record.
Read what to do nowFree, impartial debt advice is available at every one of these stages — see where.
START WITH WHAT'S HAPPENING
Whatever the debt.
There is a place to start.
You don’t need to know the right financial terminology. Just choose what’s causing the pressure and we’ll help you understand it.
Explore all types of debtCredit card debt
Minimum payments, missed bills, interest and what happens next.
Understand your optionsPersonal loans
When your loan repayments are no longer affordable.
Council tax arrears
Know what to do when notices or enforcement letters arrive.
Overdrafts
When the overdraft has become part of every payday.
Energy bills
Help understanding arrears, payment plans and support.
UNDERSTAND THE POSSIBILITIES
Not one answer.
A range of routes.
Each debt solution works differently and may affect your home, credit file or finances. Compare the facts before you decide.
Compare every solutionIndividual Voluntary
Arrangement IVA
A formal arrangement with creditors. Learn about payments, fees, your credit file and the risks.
Explore IVAsDebt Management
Plan DMP
A flexible way of repaying unsecured debts. Free providers exist; it is not legally binding.
Explore DMPsDebt Relief
Order DRO
For certain people with low income, limited assets and qualifying debts. Rules and exclusions apply.
Explore DROsBankruptcy
.
A legal insolvency route with important implications for assets, income and your credit file.
Explore bankruptcyThese descriptions are information, not personal recommendations or an eligibility assessment. UK rules vary by jurisdiction.
BUILT AROUND YOUR PACE
You stay
in control.
No promises. No confusing jargon. Understand the choices, explore the consequences and only take the next step when you're ready.
Check my optionsTell us what you’re facing.
Find guides to your debts and the situations that matter to you.
See the routes clearly.
Read about costs, risks and alternatives, including free support.
Choose your next move.
Use our options summary, or speak directly to a free independent adviser.
TOOLS THAT MAKE SENSE
Less guessing.
More understanding.
Practical tools that help you put a complex situation into perspective, at your own pace.
See all toolsCheck my options
Six questions. An easy-to-read summary. Not an eligibility decision.
Compare debt solutions
Understand how the main options differ, including key risks.
Tools & guides
Budgeting resources, a glossary and practical debt guides.
WHEN IT CAN'T WAIT
Something urgent?
Start here.
If a court letter, bailiff, eviction or a missed essential bill is worrying you, start with the information for your situation rather than an IVA form.
UK-WIDE, NOT ONE-SIZE-FITS-ALL
Where you live
changes the rules.
Different parts of the UK have different debt legislation. Explore the right framework before comparing solutions.
Find debt help in your areaAN IMPORTANT THING TO KNOW
Real help can
be free.
You do not need to pay for debt advice. Free, confidential and impartial guidance is available from established UK services, whether or not you ever use My Debt Cleared.
Read how our service worksIndividual insolvencies in England & Wales
August 2026, seasonally adjusted
FACTS, NOT FEAR
Understanding the
bigger picture.
Debt problems affect people throughout the UK. Explore the official numbers, explained in plain language without dramatic claims or pressure.
Explore the UK insolvency tracker † Source: Insolvency Service, August 2026 figures. Check tracker for newer releases.STRAIGHT ANSWERS
The questions
that matter.
Wondering what this means for you? The answers should be clear before you go any further.
Is My Debt Cleared a debt advice company?+
Does it cost anything to use this website?+
Can an IVA write off some debt?+
Will the options tool tell me what I qualify for?+
What if I need help right now?+
YOUR NEXT CHAPTER STARTS WITH CLARITY
A clearer view.
A choice that's yours.
Explore the routes that may be relevant, understand the risks and decide what to do next. No obligation.