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Need to speak to someone about your debts? We’re here to help!


You may already have looked at some tips to maximise your money via our BudgetSmart website pages, and we hope you found these useful.

Sometimes though you may need some further support, especially if you’re concerned about keeping up with debt repayments. If this sounds like you, we’re here to provide help and support!

What we’ll do for you

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Help you take control to keep on top of your debt repayments.

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Advise you on the range of options available to you based on your current situation.

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Provide expert advice which is completely FREE and confidential.

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Let you choose how we help – online or over the phone.

Next steps:

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We’ll gather some information to understand your circumstances.

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One of our specialists will talk with you about options available. This could mean lowering monthly payments to your debts, or maybe some of the money owed being written off.

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From the available options, you can choose the one you feel is best for you.

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Click the ‘Get Started Now’ button and begin your journey to becoming debt-free.


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  • Answer a few simple questions
  • Choose help by phone or Online
  • Get your personalised debt solution
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We could offer you a solution that will reduce your monthly payments with the potential of freezing interest and charges, and even writing off some of the debt.

The options PayPlan can offer

The options PayPlan can offer vary depending on your situation, and there is no obligation to progress if you do not wish. We will simply talk through the different solutions to help you decide what is best for you. For more information on the solutions we offer/advise on, please see: and .

Best time for us to call

What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement with the people you owe money to. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Management Plan?

A debt management plan (DMP) allows you to pay back your creditors each month at an amount you can afford. The DMP lasts until you have repaid your debts in full or your circumstances improve.

What is a Self-employed IVA?

A self-employed Individual Voluntary Arrangement (IVA) is an agreement to pay back what you owe whilst still running your business. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Relief Order?

A debt relief order is a solution available if you are not able to afford any payments to people you owe to. It freezes debts for a year at which time they are written off if your circumstances have not improved.

What is Bankruptcy?

Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts. There is an upfront fee and you may be required to make payments from your earnings into the bankruptcy for up to 3 years.