pdhf-pound pdhf-pound-coinspdhf-poundspdhf-pound-notespdhf-house-ownpdhf-house-rent pdhf-house-family pdhf-briefcasepdhf-job-seekerpdhf-retired pdhf-working-hourspdhf-studentpdhf-jobpdhf-phonepdhf-house-otherpdhf-debt-2pdhf-debt-3pdhf-debt-4 pdhf-debt-1pdhf-yespdhf-nopdhf-checkpdhf-livechatpdhf-self-employedpdhf-whatsapppdhf-intercom Step 1 Step 2 Step 3 Step 4 Step 5 Step 6 Step 7 Get free, confidential debt advice in just a few clicks Answer a few simple questions Choose help by phone or Online Get your personalised debt solution Get started now What's your approximate level of debt? £ Please enter your debt amount You must select an answer before you may proceed Next step What is your residential status? Homeowner Rented Living with family Other You must select an answer before you may proceed Next step What's your employment status? Employed full-time Employed part-time Retired Unemployed Self-employed Other You must select an answer before you may proceed Next step What's your average monthly income after tax? (Please include benefits) £0 – £999 £1,000 – £1,999 £2,000 – £3,999 £4,000+ You must select an answer before you may proceed Next step PayPlan can help you! 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 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: DMP IVA Self-employed IVA DRO and Bankruptcy. Arrange a call Live Chat now WhatsApp Planfinder You must select an answer before you may proceed Next step Name Please enter your name Email Please enter a valid email address Telephone number Please enter a valid phone number Best time for us to call Now Morning Afternoon Evening Please select a time to call I agree to the terms set out in the Privacy Policy Submit ✕ 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.
