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Check my options — understand your debt routes

Is any of this happening right now?

If something is urgent we will show you what to do about it before anything else. You can still carry on afterwards.

Deal with this first

These are time-limited situations where acting today changes the outcome. None of this costs anything and none of it needs us.

Enforcement agents at your doorYou do not have to let them in. What they can and cannot do, today. A court claim formYou normally have 14 days to respond. Ignoring it is what causes the CCJ. Threatened with evictionYour council has duties to you before you lose your home, not after. Energy disconnectionProtections apply, and suppliers must offer affordable repayment first. Money taken from your wagesCheck it is lawful and correctly calculated. It often is not. You cannot afford foodEmergency help available this week, including from your council.

If you would rather speak to someone free right now, National Debtline and StepChange both give free advice with no obligation.

Roughly how much unsecured debt do you have?

An estimate is fine. Do not include your mortgage or anything secured on your home.

How many organisations do you owe money to?

Count each company separately, even if you have two accounts with the same bank.

Which debts are causing you the most difficulty?

Choose as many as apply. Some of these are priority debts with much more serious consequences than others, and we will flag that.

What is your housing situation?

This is one of the biggest factors in which solutions are realistic. Owning a home rules out a Debt Relief Order entirely, and affects the length of an IVA.

Are you currently working?

Your income source affects what a repayment plan can realistically look like.

After essential bills, roughly how much is left each month?

Essentials means rent or mortgage, council tax, utilities, food, travel and childcare — not credit repayments. If the honest answer is nothing, say nothing. It changes which options make sense.

Where in the UK do you live?

We ask because Scotland and Northern Ireland have entirely different debt legislation. We use the postcode area only — the first letters — to work out which rules apply to you.

Please enter a valid UK postcode.

Here is your situation, as you have described it.

This is a summary of what you told us. It is not an assessment, and it does not say what you qualify for — only a person authorised to advise you can do that, after looking properly at your finances.

Unsecured debt—
Creditors—
Housing—
Nation—

Debts you flagged:

If you would like an authorised adviser to call you

Please enter your name.
Please enter a valid UK phone number.
Please enter a valid email address.

What you are agreeing to

  • Who we are: My Debt Cleared, a marketing introducer. We do not give debt advice.
  • Who will receive your details: [NOT SET] — no partner firm is configured, so this form cannot be used to make an introduction.
  • Why they will contact you: to discuss your circumstances and explain which debt solutions may be available, including the costs and the risks.
  • How we are paid: that firm pays us a fee for the introduction. You are never charged by us.
  • Your rights: You can withdraw your consent or object to marketing at any time. See our Privacy Notice for your data rights and how we handle deletion requests.
I would like My Debt Cleared to pass the details I have given to one FCA-authorised debt advice firm from its panel, so that firm can contact me to discuss my circumstances and the debt solutions that may be available to me. I understand that My Debt Cleared is a marketing introducer, that it does not give debt advice, and that it is paid a fee by that firm for introducing me. I understand I am under no obligation to proceed with anything, and that I can withdraw this consent at any time.

You need to tick this box before we can pass your details on.

How would you like them to contact you?

Best time to reach you

You do not have to do this. You can close this page and read the guides instead, or get free advice from MoneyHelper, StepChange or National Debtline at no cost.