About My Debt Cleared

Why this site exists

Search for almost any debt term in the UK and you will find two kinds of result: excellent free advice from charities that assumes you already know which question to ask, and commercial sites that lead with a write-off percentage and a bright red button.

There is a gap in the middle. Someone who has just opened a letter they do not understand, at eleven at night, does not need a sales funnel and does not yet know that "liability order" is the term they should be searching for. They need the answer to the question they actually have, in plain English, without being sold anything in the first three sentences.

What we do

We explain every debt solution available in the UK — including the free ones, including the ones nobody makes money from, and including the Scottish ones most English sites ignore entirely. We publish the costs and the risks alongside the benefits. And if you want to speak to someone authorised to advise you, we can introduce you to one firm.

What we are honest about

We are a commercial business. We are paid when we introduce people to authorised debt advice firms, and not paid when they go to StepChange instead. That is a real conflict of interest and we have written a whole page about how we make money rather than burying it.

We think the way to be trustworthy in a sector with a poor reputation is to publish the things a less careful competitor would leave out — the fees, the public register, the failure rates, the free alternatives — and let people make their own decisions with better information.

What we are not

We are not a charity. We are not a government service. We are not insolvency practitioners and we are not debt advisers. We do not give advice, we do not assess eligibility, and we do not run debt solutions. If you need any of those things, you need an authorised firm, and we will tell you where to find one — including the free ones.

Free advice