All debt solutions should be very carefully considered. Bankruptcy Clinic never charge for the service we provide, but if you enter into an Individual Voluntary Arrangement (IVA) or Debt Management Plan with one of our partner Companies, then fees will apply and these are made clear by the advisers and also in the documentation you receive. Retained payments may place you further into arrears. You have the right to a cooling off period of 14 days. It is likely that your ability to obtain credit will be affected for 6 years, even if the solution lasts for less.
If you would prefer a free debt service then free debt counselling and advice is available from the Money Advice Service at www.moneyadviceservice.org.uk