Clear answers to common questions about our services, fees, and how we support you.
No. Clear Path Consultants does not provide debt advice, debt counselling, or recommend debt solutions.
We provide personal budgeting and administrative support, helping you organise your financial information so you can make your own decisions.
No. We are not FCA-regulated and do not carry out regulated debt advice or debt management activities.
If you decide you want regulated debt advice, we can provide details of FCA-authorised firms or free debt advice charities.
We help with:
All services are administrative and supportive in nature.
Yes — with your written authority.
We can contact creditors for information purposes only, such as:
We do not negotiate repayment terms or agree arrangements on your behalf.
No. Any payment plans or arrangements are:
We can help you organise information and prepare correspondence, but all decisions remain yours.
No. We do not:
Our role is to help you understand your financial information, not to make decisions for you.
Our fee covers ongoing personal budgeting and administrative support, including:
Our fees are not linked to debt outcomes, balances, or creditor decisions.
No. There are no upfront fees.
You can cancel our service at any time in line with our Terms & Conditions.
Our service itself does not affect your credit rating.
Any impact on your credit file depends on:
These decisions are outside our control.
If you decide you want regulated advice, we can:
This is always your choice, and there is no obligation.
You can contact us at any time to update your budget or information.
We provide ongoing support to help you keep your financial information accurate as your situation changes.