Do you need debt help?

Become debt free
Stop creditor hassle

Protect your family & home

For FREE advice call us on 0800 280 2816

Since 1992, we’ve helped over 1 million clients to become debt-free by offering them FREE Debt Management Plans and IVAs.

TO GET DEBT HELP:

Call us on 0800 280 2816 & chat to an adviser
Email us at help@payplan.com to tell us about your situation
Or find your debt solution online today by using our form below

FREE DEBT HELP AND FREE DEBT MANAGEMENT PLANS

As one of the UK’s leading free debt advice providers, we offer trusted, expert help & advice to anyone struggling with multiple debts. Since 1992, we’ve helped over 1 million people take control of their finances.

We offer:

FREE Debt Management Plans
IVAs – write off up to 80% of your debt
Trust Deeds for Scottish clients
Bankruptcy advice

Debt Solutions

To find out the options available to you, call one of our friendly advisers on 0800 280 2816 for a confidential, reassuring chat or complete our online form.

Debt Advice

We can help with advice on bailiffs, legal action, benefits and more. You’ll find all the information you need by visiting our online advice section or live chat us now.

FIND MY DEBT SOLUTION

Do you have more than one debt and need a solution?

Enter a few simple details

Choose help online or by phone

Get your personalised debt solution!

GET FREE DEBT HELP

DEBT ADVICE TOPICS

Get instant advice on our most frequently asked questions with all the contact details & additional help you’ll need.

Bailiffs

If you’ve got bailiffs at your door, do you know your rights? Find out what they can - and can’t do, here.

Learn more

Default Notice

A default notice might seem scary but don’t panic. Get advice on dealing with your creditors now.

Learn more

Repossession & Eviction

If your home is at risk, it’s important to act fast. Follow these steps to find out how to keep it safe.

Learn more

Rent Arrears

Read our step-by-step guide to dealing with your landlord and how to prioritise your rent payments.

Learn more

View more debt advice topics

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 the Money Advice Service. It's an independent service, set up by the government to help people make the most of their money.

Debt solutions we advise on

When you contact PayPlan we will advise on a wide range of debt solutions so you have a choice. We will check what you qualify for and recommend what solution will be the most affordable and manageable for you. Below is just some of the debt solutions we advise on.

IVA

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

IVA

Self-employed IVA

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

Self-employed IVA

DMP

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

DMP

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

View all debt solutions

Compare DMP fees

Did you know not every company charges for a DMP?

Entering into a debt management plan is a good way to regain control of your debts. We can communicate with your creditors on your behalf so you can make reduced payments that are more affordable, and the best part we do it for FREE.
Unlike some companies, we don't charge our clients fees for a DMP so every penny you pay into your plan goes on reducing your debts.

The table below lets you compare debt management companies and their DMP fees.

Debt Management Company	Set Up Fee	Monthly Charge	Min/Max Monthly Fee
Payplan	FREE	FREE	FREE
Gregory Pennington	No	18.5%	£38.50 - £90
Debt Advisory Line	Yes - a setup fee of £40 is required	Rate varies	£30 - £55
Money Plus	Yes - the amount varies	17.5%	£30 minimum

If you want every penny you pay to go on reducing your debts, contact us TODAY.

Call FREE on 0800 280 2816, or complete and submit our Online form >>>

*Charges are made by these other debt management companies for the arrangement of a Debt Management Plan (information correct as of 15th December 2016).

Get debt help today

How are PayPlan Funded?

We receive donations from the credit industry. Our debt advice and debt management plans are 100% free.

Get free debt help

1,068

The amount of people we give FREE DEBT ADVICE to, on average, each week

£138,503,021

The total amount of debt WRITTEN OFF for PayPlan Partnership Limited clients in 2015.

55,941

The amount of people we gave FREE CONFIDENTIAL DEBT ADVICE to in 2015.

£21,287

The average debt level of our clients last year, BEFORE we helped them.

What our Clients say

We work hard to ensure we give our clients the best help and advice possible. We talk them through every suitable debt solution and offer continued support and assistance for as long as they need us. As a result of our service, our clients have left us some fantastic feedback and reviews.

Helpful and reassuring

After consulting a debt help agency I was put in touch with Payplan and thereafter they arranged for me to enter into an IVA. This has been running now for several months and has worked very well for me. I had been under tremendous strain because of my debt situation and I am now able to manage my finances without the constant stress and worry which I suffered previously. Payplan explained all of the options open to me; the staff were always helpful and reassuring and guided me through the entire process. I would recommend Payplan to anyone who finds themselves in a similar situation to myself.
Sandra - April 15
5

Do you need debt help?

TO GET DEBT HELP:

FREE DEBT HELP AND FREE DEBT MANAGEMENT PLANS

We offer:

Debt Solutions

Debt Advice

FIND MY DEBT SOLUTION

Excellent service

I am now debt-free and loving life!

I can’t recommend PayPlan enough