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I want to clear my debts

Do you have credit card or loan debts that have built up and which you are no longer managing to pay? If you are and you want to get out of debt then you need to talk with a specialist who will be able to talk your situation over with you and help you to break free of your debt and keep out of debt.

If I wanted to clear my debt then I could look into several options as a means of repaying what I owe. One of these is a consolidation loan. A consolidation loan could be taken by anyone who owes unsecured debts. You would work out how much you are paying out each month and what you owe and then take out one loan that would allow you to pay off all your existing debts.

You would then just have one monthly loan repayment to make with a lower rate of interest and possibly repay it back over a longer period of time. By stretching out your repayments this way you pay less each month which allows you to clear your debts within a fixed period of time. Of course this is only one way of becoming debt free and an advisor would be able to work with you to find the most suitable solution for your debt problem.

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This is the total of unsecured debt you have including credit cards and all types of unsecured loans, but excluding mortgages and secured loans.


Your monthly net income should reflect your total household income including:

  1. child benefits
  2. tax credits
  3. pension
  4. regular bonus
  5. child maintenance payments

Note: Does not need to be exact.


Your monthly expenses should include:

  1. utility bills
  2. food
  3. clothing

but exclude payments to credit cards or any other debts you have.

* Mandatory field