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

It’s time to make things easier

Having debts is a lot more common than you might think, and it’s easier to fix than you might think too. Our debt advice 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.

Choose how to get help

You can speak to us via Live Chat, WhatsApp or telephone, whichever works best for you.

Create your budget

Make a new, simple budget that shows you what you're spending on each month.

Get a solution that works

Using your new budget, we’ll give you a solution that helps you deal with your debts.

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.

Learn more

Financial Wellbeing

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

Learn more

Breathing Space

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

Learn more

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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