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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
We had a great time at the Credit Strategy Collections & Customer Service Awards (24 November) after winning three awards – the icing on the…
Jane has worked for PayPlan for over 20 years as a debt adviser. She uses her own experience of being in debt to help and…
We’ve joined forces with Plain Numbers, an organisation dedicated to helping firms support their customers who struggle with numbers and data.This new partnership will allow…
Beth has worked for PayPlan for three years as a debt adviser. She uses her own experience of being in debt to help and support…
Our awards success is continuing this year after being shortlisted for another three, this time at the prestigious Credit Strategy Credit Awards.Shortlisted for Business Continuity…
Julia has worked for PayPlan for ten years as a debt adviser. She uses her own experience of being in debt to help and support…