Here To Help

Everyday life can make managing your finances a challenge. Juggling debt can be daunting too. We can all relate to that ‘more month than money’ feeling!

We’re here to help. Whether you already know the support schemes available, or you’re not really sure, our experts will guide you through the best ways to manage your finances.

Starting with a close look at your individual circumstances we’ll show you the pros and cons for all your option. Clear, ethical and expert debt support. If you need help preparing an individual voluntary arrangement or a protected trust deed we can do that as well. All the empathy, expertise and support you need.

Check If You Qualify?

By submitting this form, you are consenting to be contacted by Clear Money Solutions, who will discuss your debt solutions & conduct your debt help application.

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A Trust Deed Example

Amount of unsecured debt:


Number of unsecured creditors:


Current monthly payment:


New monthly payment:


Monthly saving:


Total repaid over 48 months:


* all trust deed fees are incorporated in your new monthly payment and are negotiated by the IP

How A Trust Deed Can Help You

A Protected Trust Deed (PTD) is a formal arrangement between someone who owes money (a customer, or debtor), and the people they owe money to (creditors). A PTD is legally binding and administered by a qualified Insolvency Practitioner (IP).

You’re required to make monthly payments to the arrangement (normally for a period of four years). A longer period may be considered, depending on circumstances.

Once you’ve successfully completed a PTD any remaining unsecured debt is written off.

PTDs are only available if you live in Scotland. If you live in England, Wales, or Northern Ireland, an Individual Voluntary Arrangement (IVA) can provide a similar solution to a PTD.

Some benefits associated with the PTD:

  • Potentially legally write off up to 85% of your debt.
  • Once creditors have accepted the PTD, all interest and charges are guaranteed to be frozen.
  • Creditor Contact including legal action will be stopped once the PTD has become protected.

Some downsides and risks associated with the PTD:

  • Your trust deed will fail if you don’t maintain your monthly payments.
  • Secured debts can’t be included into the arrangement.
  • Creditors can vote against the trust deed becoming protected.

Type Of Debts We Can Help With

Just a small change in your circumstances can have a big impact when it comes to keeping up with your monthly outgoings. We understand that. We can also help.

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Credit Cards

Credit cards can easily build up and become unmanageable with missed payments sending charges spiralling. Sound familiar? Find out how we can help you reduce your repayments.

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Store Cards

Store Cards. Easy to spend on, not so easy to pay off sometimes. Especially if the interest is racking up month on month. Store card challenge? Find out how we can help you reduce your monthly payments.

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Whether unsecured loans or payday loans, it’s amazing how many people find themselves taking on new debt to repay existing debt. It’s an expensive spiral that we can help you break. Talk to us about ways of freeing yourself.

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Overdue Bills

Overdue bills? We can help. Whether council tax arrears, mortgage shortfalls, utility bills or disconnected mobile phone contracts we can help you keep your household up and running.

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Why Choose CMS

Just a small change in your circumstances can have a big impact when it comes to keeping up with your monthly outgoings. We understand that. We can also help.

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Your finances are your business. Our trusted expert advisors always make it their business to always put you best interests first.

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A full assessment of your circumstances makes sure we capture all the important information, so we can give you clear and effective advice.

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A well respected and highly ethical company we follow all the latest industry standards. You’re our number one priority..

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Free, confidential, no-obligation advice, always. So you can choose what’s best for you.


Will my creditors still be able to contact me if I enter into an arrangement?

Yes they may still contact you, but only while your arrangement is being set up. That’s normal. Once approved your IP (insolvency practitioner) will deal with creditors letters and phone calls directly. If for any reason the creditors still try to contact you, simply inform your IP who will deal with things.

If you have any questions fill in our online form or give us a call to speak with one of our friendly advisors.

I have an attachment of earnings in place can this be stopped?

It is common for some creditors to apply a wage arrestment, also known as attachment of earnings, to collect their debt balance via your earnings. We understand that sometimes this can have a knock-on effect on your day to day life. In some circumstances your IP (insolvency practitioner) will work with your creditors to lift the attachment so you can receive your full wage again.

This agreement will see a repayment amount agreed with your creditor and payable monthly as part of your payment plan. For more information on how this works, please fill in our online form and a senior expert will call you with more details.

What are the costs and fees involved with an IVA OR TRUST DEED?

CMS will never charge for our advice and support. And neither do we charge IVA or Trust deed setup fees.

Once you have spoken to an advisor, explored your options and are happy to proceed you need to provide supporting documents. We’ll check them through and hand them to an IP (insolvency practitioner) assigned as your licensed IP for the duration of your term

The fees of the IP who arranges your IVA or trust deed are always included within your monthly payment and term.

Before the arrangement is accepted your IP will make an agreement with your creditors. Your proposal will include a breakdown of the IP fees. Fees that never impact on the duration of your plan.

Once your plan is accepted CMS receive a application setup commission from the IP. Again, this has no effect on your monthly payment or term.

Remember: If at any stage you decide that you do not wish to go ahead you will never be charged for the advice you have received from us. Our advice is ALWAYS completely free.

How do I check if I qualify?

Simply fill in a form on our website and one of our friendly specialist advisors will be in touch.

With each advisor enjoying more than 10 years’ of experience so you can be sure that you’re always in the safest of hands. We’ll complete a detailed fact find to find out more about your current circumstances and once completed we’ll make you aware of the solutions that you qualify for. That way you can make an informal decision on the solution that suits you best.

If you have a question or you are wanting to see if you qualify just give us a call or fill in an online form. We’ll get straight back to you.

And remember: All advice is free, is confidential and comes with no obligation.

What kind of debts can be included?

If you are struggling with your finances, an IVA or an Trust deed may be an perfect way to put all your outstanding debts into one monthly affordable payment.

Many people are unaware of the types of debts that can be included but our friendly experts can clearly talk you through each.

In fact most debts to which a wage arrestment/attachment of earning can be applied can be included within your arrangement.

Please be aware that any secured debts like mortgages, secured loans and car hire purchase cannot be included into your arrangement. Secured against the asset they need to be prioritized and paid on time each month.

If you advice on the status of debt please give us a call and we’ll be happy to help.