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Check my options — understand your debt routes

Check my options

Understand your debt situation in about 60 seconds

Six quick questions about your circumstances. At the end you get a plain summary of where you stand and what an authorised adviser could review with you.

  • No credit check
  • No obligation
  • Nothing sent until you say so

My Debt Cleared is a marketing introducer, not a debt adviser. If you ask us to, your details may be passed to an FCA-authorised debt advice firm, which may pay us an introduction fee. You are never charged by us.

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What brought you here today?

This just helps shape what you see — it never decides a solution for you.

Roughly how much unsecured debt do you have?

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

How much is it spread across?

Count each debt separately — a credit card and an overdraft at the same bank are two.

Roughly how many separate debts do you have?
Which types of debt do you have?

What is your housing situation?

We ask so an authorised adviser can properly understand your circumstances.

Your income, roughly

Nobody expects exact figures.

Are you currently working?
After essential bills, how much is normally left each month?

Where do you live?

Britain has three separate debt systems. This is the single thing that decides which one applies to you.

Your summary

Here is your situation, as you described it

A summary of what you told us. It is not an assessment and it does not say what you qualify for — only someone authorised to advise you can do that.

Unsecured debt—
Separate debts—
Housing—
Work—
Left each month—
Debts flagged—
Legal framework—
Your next step

Ask an authorised adviser to review this

They can look at your full circumstances and explain which options may be available, what each one costs and what the risks are. We cannot — we are not authorised to, and it would be wrong of us to try.

Please enter your name.
Please enter a valid UK mobile number.
Please enter a valid email address.
How may they contact you?

Please choose at least one way for them to reach you.

Optional — hear from My Debt Cleared
We are an introducer, not a debt adviser. We do not give advice or provide solutions.
Your enquiry goes to one firm. One FCA-authorised debt advice firm. Not a panel, not a list, and not anyone else. We will name the firm and give you its FCA reference number before it contacts you, so you can check it on the FCA Register yourself.
That firm pays us a fee. You are never charged by us, and the fee is the same whichever solution you end up with — so we have nothing to gain from steering you.
What else should I know?

Why do they need my details? So they can contact you, understand your circumstances properly, and explain the options available to you — including the costs and the risks.

Do I have to do this? No. Free, independent advice is available from StepChange, National Debtline, Citizens Advice and MoneyHelper, and we would rather you used them than got poor advice anywhere.

What about my data? You can withdraw your consent or object to marketing at any time. See our Privacy Notice for your rights and how we handle deletion requests.

Please tick this box so we know you are happy for us to pass your details on.

No obligation to proceed.

You can close this page and read the guides instead, or get free advice from MoneyHelper, StepChange or National Debtline at no cost.