Consumer Debt Service

Clear Start is an initiative set up to provide counselling and solutions to the growing number of people in the UK with serious debt problems. While this growth is clearly an issue for each individual (debtor) concerned, there are also significant implications for those who are owed money (creditors), and also for other private and public sector institutions such as financial advisors and county courts.

Debt Counselling and Solutions

At the heart of the organisation are the debt counselling operations. This is where a growing number of trained advisors deal with hundreds of customers every week.

They are supported by the latest communication technology and specialised systems and processes which enable them to give best advice to the over-indebted.

While individuals who arrive directly are provided these services for no charge, Clear Start also runs these free debt counselling services on behalf of other companies and organisations.

In addition to advice, Clear Start is also able to provide debt solutions through a number of preferred and selected solutions partners such as mortgage brokers and Insolvency Practitioners.

Clear Start also has its own internal insolvency practice with the capacity to handle several hundred IVA cases simultaneously.

Connected and Impartial

Clear Start has a firm belief that, rather than working solely for the debtor as a number debt advice companies do, or working solely for the creditors as many debt collection agencies do, the most appropriate approach is to understand the needs of all parties involved and to arrive at the solution that provides the best result for everyone.

In order to address the national consumer debt situation Clear Start works with all sectors of the industry; including major lenders and credit card companies, financial advisory and solutions companies, accounting and insolvency firms, and government organisations.

Legitimate and Professional

One of the issues facing both debtors and creditors alike over the past few years is the lack of regulation in the debt counselling industry. This has given rise to, for example, the 'pushing' of certain solutions such as consolidation loans and debt management plans when these may not be the most appropriate approach.

Clear Start is licensed and regulated by a number of bodies and will continue to work with both private and public sector organisations alike to improve the legislation and best practice in both the lending and financial advice industries.

Solving the Problem and Building a Future

Serious debt can have implications beyond the short term such as an impaired credit history that can make it difficult to save and build a financially stable future.

Clear Start looks to work with financial institutions to identify appropriate lending and saving schemes and helps individuals to plan not only their recovery from debt but also the migration to a practice of saving and building a financially stable future.

To contact an advisor call 0800 954 6241. Alternatively complete an online enquiry form and an advisor will call you back at the time that you specify.