Personal Budgeting & Debt Organisation Support Putting You Back in Control

Struggling with debt can feel overwhelming, isolating, and stressful.

At Clear Path Consultants, we help individuals across the UK organise their financial information and understand their current situation clearly and confidently. Our support is confidential, ethical, and focused on clear budgeting and accurate information.

Debts we can help with 📞 0161 394 1613

8,000+ People Supported

£22M+ Debt Reviewed

95% Client Satisfaction

See How Organising Your Finances Can Help

Use our calculator to estimate your current debt position based on the information you enter. Any potential outcomes depend on eligibility and advice provided by authorised third parties.

Your Total Debt: £25,000

£5k £25k £50k £75k £100k

Monthly Payment

£112

Over 60 months

Total Repayment

£6,750

5 year term

Potential Saving

£18,250

Debt written off

Please note: Figures are estimates for guidance only. Actual payments depend on individual circumstances and eligibility.

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Authorised Partners

We work with FCA-authorised debt advice and insolvency professionals.

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Ethical Support

Clear, transparent processes with your interests at the centre.

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No Upfront Fees

Free initial discussion to understand your situation.

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Confidential

Your information is handled securely and privately.

Understanding Debt Challenges

Debt difficulties can arise for many reasons — changes in employment, illness, relationship breakdowns, or rising living costs.

When financial pressure builds, organising information early can help reduce stress and ensure you are better prepared when speaking with authorised advisers.

Clear Path Consultants supports clients by helping them gather and structure financial information and by signposting appropriate next steps.

How our process works

We specialise in providing personal budgeting and administrative support, and where requested, connecting individuals with FCA-authorised debt advice providers. Our role is to help organise and present your financial information, and where you choose, signpost you to authorised providers who can offer regulated advice. While we do not provide debt advice, we ensure you are given access to accurate information, so you can decide what support you wish to seek.

Debt Solutions Available

Depending on your circumstances, one or more options may be suitable

Individual Voluntary Arrangement (IVA)

Individual Voluntary Arrangements (IVAs) A legally binding agreement allowing affordable monthly payments with potential debt write-off at completion usually lasting 5 years.

Debt Management Plan (DMP)

Debt Management Plans (DMPs) An informal repayment plan based on affordability

Trust Deed (Scotland)

Trust Deeds (Scotland) A legally binding agreement allowing affordable monthly payments with potential debt write-off at completion usually lasting 4 years.

Debt Relief Order (DRO)

Debt Relief Orders (DROs) Designed for those with low income and minimal assets

Bankruptcy

Bankruptcy A legal option providing a fresh start where no alternatives exist.