Scattered records make preparation harder
- Statements, balances and payment dates may be spread across lenders and files.
- Household budgets and bank communications add context that one balance cannot show.
- Older records and estimates need your review before you rely on them.
Organize, review, prepare
Organize: Upload statements and keep debt records, household budget entries and communication logs together.
Review: Check extracted figures against their source records. Note gaps, older information and estimates yourself; Clariva does not establish that your evidence is complete.
Prepare: Generate draft letters and income-and-expenditure statements from the information you provide. Review and correct them before use. You decide what to ask, share and send. Clariva does not contact banks, negotiate, submit documents or guarantee outcomes.
Before you get started
Who is Clariva for?
Clariva is for UAE residents organizing their own personal debt information and preparing for a bank conversation. Its current focus is unsecured consumer debt: credit cards, personal loans, overdrafts and buy-now-pay-later.
What information can I bring?
Upload statements and enter debt records, household budget details and communication logs. Check extracted figures against the originals and note missing, older or estimated information. Clariva does not establish that your evidence is complete.
Will Clariva contact my bank or send documents?
No. Clariva helps prepare draft letters and income-and-expenditure statements from the information you provide. You review and correct the documents, choose what to request, and decide what to share and send. Clariva does not contact banks, negotiate or make commitments for you.
Does preparation guarantee a bank will agree?
No. Clariva does not guarantee a settlement, restructuring, lower payments or any other creditor outcome. The documents are preparation materials for your own conversation; any request still needs the bank's consideration.
Clariva prepares. You decide and send.
Join a limited pilot for UAE residents preparing their own bank-ready materials.