Clarity Insolvency CLARITY INSOLVENCY

Personal insolvency advice, made clear.

We help people across the UK take back control of their finances. Confidential, jargon-free advice from regulated professionals, with no pressure to commit.

  • Free initial advice with no obligation
  • Regulated, qualified UK advisers
  • All your options explained, not just ours
  • Confidential and judgement-free
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About us

Clear advice when you need it most

Clarity Insolvency Limited is an independent UK firm helping individuals and families deal with problem debt. Our advisers are trained, regulated, and committed to giving you a complete picture of your options, not just the ones that suit us.

We believe good advice starts with listening. Whatever you are facing, we will take the time to understand your situation before recommending anything.

All formal arrangements are serviced by Ebengate, a regulated insolvency practitioner firm.

Our process

Three simple steps

A man at home talking to an adviser on his phone

  1. Free initial chat

    A confidential conversation with one of our advisers, no pressure, no obligation.

  2. Review your options

    We look at your full situation and explain the solutions you qualify for in plain English.

  3. Set up your solution

    Once you choose, we handle the paperwork and deal with creditors on your behalf.

Debt solutions

The options we can help with

There is no single right answer to problem debt. The best solution depends on your circumstances. Here are the main options we work with.

Individual Voluntary Arrangement (IVA)

A formal agreement to repay what you can afford

  • Typically lasts 5 to 6 years
  • Remaining unsecured debt written off at the end
  • Single, affordable monthly payment
  • Court-approved, protects you from creditor action
  • Recorded on the Individual Insolvency Register

Debt Relief Order (DRO)

Designed for low income, low assets, low debt

  • Total debts must fall within the qualifying threshold
  • Limited spare income and few assets to qualify
  • Lasts 12 months, debts written off if circumstances do not improve
  • One-off application fee, no ongoing payments
  • Recorded on the Individual Insolvency Register

Bankruptcy

A formal step to clear most unsecured debts

  • Most unsecured debts cleared at the end
  • Typically discharged after 12 months
  • May affect your home, savings and pension
  • Some careers and professions can be restricted
  • Recorded on the Individual Insolvency Register

Debt Management Plan (DMP)

An informal arrangement at a reduced rate

  • Pay creditors what you can afford each month
  • No fixed end date, runs until debts are cleared
  • Not legally binding on creditors
  • Interest and charges may still apply
  • You keep more control of your situation

Protected Trust Deed (PTD)

A formal repayment plan available in Scotland

  • Available only to Scottish residents
  • Typically lasts four years
  • Single, affordable monthly payment
  • Remaining unsecured debt written off at the end
  • Recorded on the Register of Insolvencies

Debt Arrangement Scheme (DAS)

A statutory plan to repay debts in Scotland

  • Available only to Scottish residents
  • Pay back what you owe at an affordable rate
  • Interest and charges are frozen once approved
  • Protected from creditor action while in force
  • Recorded on the DAS Register

Not sure which is right for you? Speak to an adviser and we will help you work it out.

Ready to take the first step?

A confidential conversation costs nothing and may give you options you didn't know you had.

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FAQs

Frequently asked questions

How much does advice cost?

Initial advice is free and confidential. If you go ahead with a formal solution, fees are explained upfront in writing before anything is set up.

Will this affect my credit score?

Most debt solutions affect your credit file. We explain the specific impact of each option so you can decide what is right for you.

Are you regulated?

Yes, we operate under the regulatory framework that applies to insolvency and debt advice in the UK. Full details are on our regulatory page.

How long does the process take?

The timeline depends on the solution. An IVA typically lasts five to six years; a DRO usually 12 months; a Debt Management Plan varies.

Can I include all my debts?

Most unsecured debts can be included. Some debts (e.g. court fines, child maintenance, student loans) are usually excluded. We will tell you what applies to you.

Have a different question? Get in touch. We are happy to help.