Debt and the law County Court Judgment (CCJ)County Court Judgments (CCJ) CCJs are usually issued as a result of an underlying debt problem. Receiving a County Court Judgment (CCJ) claim form or Court Summons can be a frightening and unsettling experience. At Payplan, we can give you free, immediate and professional debt advice to guide you in…Find out more Default noticesA default notice is a formal letter sent to you by a lender or creditor if you are in arrears with your account. We look at what you should do if you receive a letter and discuss whether you will need to go to court.Find out more Debt collector harrassmentDo you know your rights if a debt collector is constantly harassing you? We look at the laws outlining what creditors can and…Find out more Council tax arrearsWe look at what you should do if you are struggling to afford you council tax or have missed payments.Find out more Administration ordersAn administration order is where the courts place an order to cover all of your outstanding debt. You will make a monthly payment…Find out more Attachment of earnings orderAn Attachment of Earnings Order (AEO) is where a creditor applies to the court for an order to allow them to take funds…Find out more The limitations act 1980The Limitations Act 1980 outlines the time limit within which a creditor can chase a debtor for outstanding debts. Find out more about…Find out more Statutory demandsA statutory demand is a formal legal document that requires you to agree a repayment plan with them. Find out more about what…Find out more Joint and several liabilityIf you have taken out a credit agreement, such as a loan or bank account in joint names then you are both liable…Find out more Business debtsBusiness debts can be extremely stressful if you feel they’re unmanageable, particularly if you run a company with unlimited liability (i.e. a sole…Find out more Guide to making PPI claimsA step by step look at what you need to do in order to make a claim for mis-sold PPI, including templates to…Find out more Dealing with bailiffsIf you are struggling with debt and worried about being threatened with bailiff action, or if you have received a letter from a…Find out more 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 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 Your website 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 understand and agree to the terms set out in the Privacy Policy and the Initial Disclosure Document 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.
County Court Judgment (CCJ)County Court Judgments (CCJ) CCJs are usually issued as a result of an underlying debt problem. Receiving a County Court Judgment (CCJ) claim form or Court Summons can be a frightening and unsettling experience. At Payplan, we can give you free, immediate and professional debt advice to guide you in…Find out more
Default noticesA default notice is a formal letter sent to you by a lender or creditor if you are in arrears with your account. We look at what you should do if you receive a letter and discuss whether you will need to go to court.Find out more
Debt collector harrassmentDo you know your rights if a debt collector is constantly harassing you? We look at the laws outlining what creditors can and…Find out more
Council tax arrearsWe look at what you should do if you are struggling to afford you council tax or have missed payments.Find out more
Administration ordersAn administration order is where the courts place an order to cover all of your outstanding debt. You will make a monthly payment…Find out more
Attachment of earnings orderAn Attachment of Earnings Order (AEO) is where a creditor applies to the court for an order to allow them to take funds…Find out more
The limitations act 1980The Limitations Act 1980 outlines the time limit within which a creditor can chase a debtor for outstanding debts. Find out more about…Find out more
Statutory demandsA statutory demand is a formal legal document that requires you to agree a repayment plan with them. Find out more about what…Find out more
Joint and several liabilityIf you have taken out a credit agreement, such as a loan or bank account in joint names then you are both liable…Find out more
Business debtsBusiness debts can be extremely stressful if you feel they’re unmanageable, particularly if you run a company with unlimited liability (i.e. a sole…Find out more
Guide to making PPI claimsA step by step look at what you need to do in order to make a claim for mis-sold PPI, including templates to…Find out more
Dealing with bailiffsIf you are struggling with debt and worried about being threatened with bailiff action, or if you have received a letter from a…Find out more