PayPlan | Free Debt Advice and Free Debt Management. IVAs & DMPs

Self-employed debt help

Keep your business running smoothly by learning about Bounce Back Loans, debt solutions and a host of other self-employed guides and tips.

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Financial Wellbeing

Need help managing your money? Find everything from in-depth budgeting guides to quick money-saving tips on our Financial Wellbeing hub.

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Breathing Space

Breathing Space gives you a 60-day break from creditor contact, and freezes fees, charges and court action against you.

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Debt solutions we advise on

PayPlan advise on a wide range of debt solutions, and recommend the best one for you.

IVA

Make payments over 5 years and have up to 70% of your debt written off.

IVA Advice

Self-employed IVA

Self-employed IVAs allow you to pay back your debt whilst still running your business.

Self-Employed IVA Advice

DMP

A debt management plan allows you to pay back your creditors each month at a rate you can afford.

DMP Advice

Trust deeds

Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.

Trust Deed Advice

View all debt solutions

We’re one of a number of organisations that provide free debt advice. If you’d like more information on other sources of free debt help and advice you can visit MoneyHelper. Set up to put people in control with impartial money help that’s on their side, backed by government and free to use.

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