Different debts need different action. We help you identify what is urgent, what can be negotiated, and which debt solution may fit your budget.
Home Debt TypesMany people focus on the loudest creditor first, but the best approach is to separate debts into priority and non-priority categories. This protects your home, essential services, and income while a long-term plan is arranged.
DebtClearPlans is an introducer service. We connect you with regulated debt advisers and providers who can review your full circumstances and recommend suitable options.
Priority debts carry the highest risk if ignored, such as losing your home, bailiff action, court enforcement, or disconnection of essential services.
Home-related arrears should be addressed quickly to reduce eviction or repossession risk.
Council tax can escalate to enforcement action and should be included in your urgent budget plan.
Utility debts can affect your access to essential services and should be treated as priority.
Tax arrears often need early engagement and realistic repayment proposals.
These debts are often included in debt solutions, depending on your affordability, region, and eligibility.
Bank overdrafts are usually unsecured and may be included in formal or informal plans.
View IVAHigh-cost short-term debt can be difficult to sustain and needs urgent review.
View DROFrequent rolling balances can usually be treated as unsecured debt.
View DMPTreatment depends on the overpayment type and recovery terms.
Check suitabilityAction may be urgent. Early advice can help protect essential household items.
View bankruptcy infoMost households have a mix of priority and unsecured debts. A full review is best.
Request callbackNo. Some debts can be included and others cannot, depending on the solution. For example, secured borrowing is treated differently to unsecured debts.
Priority debts carry more serious consequences if missed, such as losing your home or essential services. Non-priority debts are still important but usually have lower immediate risk.
Yes. Most people do. Advisers review your full debt mix, income, and household costs before recommending next steps.
No. Asking for guidance or requesting a callback does not affect your credit score. Credit impact depends on the solution chosen and your existing credit profile.
Tell us what debts you have, and we will connect you with a regulated provider who can explain your suitable options clearly.
A real person will call you to understand your situation and explain which options may apply. DebtClearPlans is not authorised to provide regulated debt advice and we do not hold client money.
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