Clear start accountants

I recommend you approach CAB with haste.

I don't think you need to pay a monthly fee to anybody in order to reduce your outgoings and make them manageable.
Step change is often mentioned as an organisation to help with debt.
I havent ever (thankfully) had to use them.

Charging a person who is already struggling is unethical, I would say.

I've just found the step change website, and it states that they will give you free advice, help, and support.

www.stepchange.org/

This is what confused me I made an original contact online to step change and they appeared to have redirected me to this clear start firm

Ooh, I see.
I do see, but i don't understand.
How can that be?
I wonder if money saving expert has any info?

I just found this on money saving expert.
One of the comments has a link to the money saving expert budgeting help tool.

forums.moneysavingexpert.com/discussion/6141988/clear-start

Message deleted by Gransnet for breaking our forum guidelines. Replies may also be deleted.

If you are having second thoughts, go with your gut instinct and cancel. Then have a look at other companies and maybe go with someone else.
You can always go back to the original choice when you are satisfied that it’s the right company to go with.

Would this be an IVA,( Independent voluntary arrangement) where by you enter into a legal arrangement to pay a fixed sum to to organisation who then appirtion an agreed percentage to each of your creditors,at the end of 60 months this is then paid to your creditors, and you become debt free.
In that 60 month period you are not allowed to enter into other debt situations,
A statement is sent yearly to you to show your progress and monies held on your behalf.
I have had one of these arrangements that work well and if directed by step change would feel confident in using .