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Debt advice made simple.

Get free debt help in a way that works for you, and start enjoying
more of your money.

Mon to Fri 8am–8pm & Sat 9am–3pm
Can't find the help you need? We're proud to be listed as a trusted organisation with MoneyHelper - a free, impartial service that provides information on other sources of debt help and advice.

It’s time to make things easier

We aim to reduce the amount you pay towards your debts, giving you and your loved ones the chance to live more comfortably.

In just a few steps, you'll be on a clear path to becoming debt-free.

  1. Choose how to get help

    Contact us in a way that suits your needs and circumstances at a time you choose.

  2. Check out your options

    Once we have an overview of your situation, we'll show you the options available to help.

  3. Move forward

    After you've chosen a solution, we'll support you through every step of your journey to becoming debt-free.

Do you need urgent debt advice?

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

Learn more about Debt Emergencies

Debt solutions we advise on

PayPlan advise on a wide range of debt solutions, and recommend the best one for you.


Debt Management Plan

A Debt Management Plan allows you to pay back your lenders each month an amount you can afford.

Learn more about Debt Management Plan

Individual Voluntary Arrangement

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

Learn more about Individual Voluntary Arrangement

Self-employed IVA

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

Learn more about Self-employed IVA

Trust deed

Trust Deeds are the Scottish equivalent to IVAs. You pay an agreed amount - based on what you can afford each month.

Learn more about Trust deed

View all debt solutions

Worried about rising costs?

PayPlan’s BudgetSmart tool can help you increase your income and reduce your bills. From car insurance to home insurance, healthcare to pet care, electricity to water bills, you can use BudgetSmart’s tools and tips to help you save money.

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