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Having debts is a lot more common than you might think, and it’s easier to fix than you might think too. Our service works in three simple steps – by the time you’re done, you’ll have a clear-cut plan to get your finances back in a good place.
You can get help with your debts over the phone or online – whichever’s easiest for you.
Make a new, simple budget that shows you where you’re spending what on each month.
Using your new budget, we’ll give you a solution that helps you deal with your debts.
Keep your business running smoothly by learning about Bounce Back Loans, debt solutions and a host of other self-employed guides and tips.
Need help managing your money? Find everything from in-depth budgeting guides to quick money-saving tips on our Financial Wellbeing hub.
Breathing Space gives you a 60-day break from creditor contact, and freezes fees, charges and court action against you.
Debt solutions we advise on
PayPlan advise on a wide range of debt solutions, and recommend the best one for you.
Self-employed IVAs allow you to pay back your debt whilst still running your business.
A debt management plan allows you to pay back your creditors each month at a rate you can afford.
Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.
Learn moreRECENT BLOGS
Read about how Maggie turned her finances around when her debts began to spiral out of control.
We’ve partnered with Bipolar UK to provide appropriate support and debt advice to new and existing clients who are affected by bipolar.
It’s another New Year, and many of us will be scratching our heads trying to think of New Year’s Resolutions that we can keep. This…
Happy New Year! We’re here to support you with your New Year’s resolution. Whether you’re going to be saving money by quitting smoking or by…
Sam has worked for PayPlan for a year as a debt adviser. He uses his own experience of being in debt to help and support…
It’s official! PayPlan has been awarded ‘Debt Advice Provider of the Year’, at last night’s (14 December) Credit Strategy Credit Awards.