• Free Debt Advice
  • No Hidden Fees
  • Non Judgemental
Get advice now!


At PayPlan we understand the impact that debt can have on you, your family and your life. But, unlike other debt solution providers, we believe that you can, and should, live a happy life whilst repaying your debt.

We’ve been helping people in situations similar to yours for over 20 years, and during that time we’ve developed a wide range of practical, long-term solutions that can not only help to manage your debt, but also enable you to live your life.

We're here to help

Simply fill in the form below and one of our friendly advisors will call you back

By completing this form, you agree to our Privacy policy

Made my life liveable again

PayPlan client January 2015

5 stars trustpilot

Debt help requestIt's simple, so let's get started

  • We can help you! To get personalised free debt help and advice on your options to becoming debt free simply fill the form below.

    All fields above must be completed.

Our debt solutions


An Individual Voluntary Arrangements (IVA) is a legally binding arrangement between you and your creditors. Our Insolvency Practitioners will supervise the arrangement that will normally last for five years, and upon completion results in a significant part of your debt written off. 

Learn about an IVA

Debt management plans

A Payplan debt management plan is a debt solution where an informal arrangement is made...

DMP Benefits


Bankruptcy is often considered the last resort for people struggling with debt because there are other free debt...

Get Help Now

Repossession advice

It can be a frightening process, and sometimes time is a crucial factor. If you need help fast then let Payplan take the strain...

Get advice now

Mortgage arrears advice

Payplan are experienced in giving all kinds of debt advice. Mortgage Arrears are the root cause of further action such as...

See the solutions

View all debt solutions

Comparedebt management fees*

Debt Management Company
Initial Fee
Monthly Charge
Min/Max Monthly Fee
National Debt Relief
min £25
Clark Richards
£39.50 - £100
Baines & Ernst
£40 - £100
Gregory Pennington
£38.50 - £90

*Free debt counselling, debt adjusting and providing of credit information services is available by contacting the Money Advice Service.

Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 30th July 2014).

Get advice now

In debt?You're not alone!

Debt is a big worry for many people, as you'll see on our unique UK Debt Map. See how many people Payplan helped near you this year.

View map

Example IVA

In this typical example, we arranged an IVA for our client who was struggling to repay his debts. His payments are now more affordable!

  • Debt: £20,000
  • Creditors: 3
  • Was paying: £520 per month
  • Now paying: £120 per month
  • Written off: £12,000
See examples IVA advice

Let us help you today

  • Free debt advice
  • No hidden fees
  • Non judgemental

Here at PayPlan, we understand the effect that debt can have on your life, but we believe that living with debt shouldn’t have to mean living in despair.

Get Debt Advice

What do our clients say about us?

Thinking about debt management?

Find out about PayPlan's free debt solutions from our very own Debt Case Officers. Our debt videos will help explain your journey to becoming debt free with PayPlan's support and experience.

View our video library

Living room

Caring for the Carers

Written by Niall Davison

When Martin’s mother became ill in 2013 he took some time off work to care for her. He’d worked for the same motor dealers for 25 years but despite this, Martin lost his job because of the amount of time he’d taken off and it was being unemployed that added to his debts. His mother ...

Read more