Free Debt Advice

Our debt advice is free!

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!
What's your approximate level of debt?
What is your residential status?
How many lenders do you owe money to?
What's your employment status?
What's your average monthly income after tax? (Please include benefits)
Do you own a vehicle? (worth more than £1,000?)

Good news!
Based on the information you've provided, we believe we can offer you a solution that will reduce the amount you're paying to your creditors, and it may be possible to write-off some of your debt.

To do this, we'll need to take some more information, in the way that suits you best.

Please select a contact method

Best time for us to call

If you’re facing problems with money, the last thing you need is to have to pay for advice about how to resolve them!

All debt advice from PayPlan is free. Whatever the nature of your debt problem, we can help you with free debt advice on credit card bills, personal loan arrears, mortgage or rent arrears and what to do if you get behind with the gas or electricity bills.

What’s more, we’re committed to giving you free debt advice that’s relevant to your personal circumstances to help you decide the best way forward. Knowing what to expect when you’re facing money problems can often ease the stress you may be feeling: this is why our debt advice is up to date, accurate, comprehensive and tailored to you.

We advise on a wide range of solutions!

We understand that if you’re in debt, finding a way out of it as quickly as possible is probably your top priority. Being aware of all the options will enable you to choose the right solution. For serious debt problems, you can find out how Bankruptcy or Insolvency will affect you, your family, your home and your business but make sure you call us for free debt advice first. Our knowledgeable team will guide you towards a solution that’s right for you.

Debt Management Plans (DMP)

A Debt Management Plan is an agreement between you and your creditors to repay your debts. It will put you back into control without the need to borrow more money. Simply put, you make a single affordable payment to us every month and we distribute payments to your creditors on your behalf. What’s more, we do this without charging any set up or administrative fees.

If you need free debt advice about Debt Management Plans, find out more here

Individual Voluntary Arrangements (IVA)

An Individual Voluntary Arrangement (IVA) is a formal, legally binding agreement between you and your creditors to pay off a percentage of your debts over a fixed period, often as little as 5 years.

It’s a popular debt solution for people with a regular income who wish to avoid bankruptcy and its associated penalties.

Typically, an IVA agreement will see a creditor agree to write off a proportion of the debt owed to them upon satisfactory conclusion of the arrangement. In return, the debtor agrees to pay an agreed proportion of their monthly income towards the debt for a fixed period. Could this be right for you? Find out more about Individual Voluntary Arrangements here.


People still don’t like to talk about bankruptcy. It’s true that the implications of going bankrupt need careful consideration but it can enable you to make a fresh start with your finances. You will have to give up any possessions of value and any interest in your home. If you run a business, you will be required to close that business and any employees will need to be dismissed. However it will allow you to become debt free quicker and regain control of your finances.

If you want to talk about bankruptcy and discuss what it could mean for you, call us free on 0800 280 2816.

Find out more information about bankruptcy here.

Protected Trust Deed (if you live in Scotland)

A Trust Deed is a legally binding agreement between an individual with unsecured debts who is unable to pay his or her creditors and a licensed Insolvency Practitioner (the Trustee). Once signed, you are committed to the terms of your agreement (usually 4 years, but this can vary).

If you need free debt advice about protected trust deeds, find out more here

Call us…it’s free!

Don’t delay. The quicker you take action, the sooner you can regain control of your money. Call us for free debt advice on 0800 280 2816 between 8am-8pm Monday to Friday, and 9am-3pm on Saturdays.

Prefer to stay online?

Simply get free debt help through our simple Debt Help Form. Fill in your details and our advisers will arrange to call you back at a time to suit. We don’t need lots of information at this stage… just enough to enable us to work out exactly how we can help you become debt free. All our debt advice is free, confidential and tailored to you.

When you call PayPlan we will go through all of your options and discuss what solutions are best for you. If you would like to go ahead with a debt solution we can put you in touch with our associated companies who will take the pressure off you and make all the necessary arrangements, including talking to your creditors on your behalf.

See what the people we’ve helped say about their experiences:

Here are some examples of what our clients had to say:


I’ve scored a five because I have complete piece of mind,and am actually paying off my debts, which is important to me at a rate that I can afford due to Payplan, of which I wholeheartedly thank for there advise and help

Self Employed IVA (Bespoke)

I went into an IVA after not being able to cope with the ever growing financial problems. I went to Payplan as there were no fees involved for myself. I think in the first place I was wrongly advised on two accounts, firstly to sell my house to pay off some debts, and secondly as my wife was involved in three of the debts, not to have transferred these into my name so that we didn’t have two IVAs running and no house. Since then there have been no issues with the IVA until last November when we offered a settlement figure. Although this was accepted it has so far taken 7 months to complete and still no completion letter. Also I was not told that even if you pay off the IVA early, it still stays on your credit file for the full term making it difficult to get anything that would involve a company viewing your file. All in all I have been pleased with the setting up of the IVA but not happy with the advise and the time to wrap up the IVA once concluded


I have received excellent service re my debt plan

Trust Deed

Great service no problems and kept informed of any changes etc.

Read all PayPlan reviews