Free Debt Counselling Advice

When you’re in debt and you feel you can’t cope, you can feel isolated, lonely and helpless. You may feel like there’ nowhere to turn to help. And you may feel like there’ no way you’ll ever be free from debt.

You may have wondered if debt counselling might help you.

Although PayPlan isn’t strictly a debt counselling service, we are a debt management company providing debt solutions who take the time to listen carefully to every single person who contacts us. Then we help and support our clients fully in order to identify affordable debt solutions that can really get them out of debt.

Don’t you think that’s more useful than debt counselling?

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• Answer a few simple questions
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• Get your personalised debt solution

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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.

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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.

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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.

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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.

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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.

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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.

Most people begin by calling us free on 0800 316 1833, others prefer to fill in our online Debt Help form so we can contact them. Then we listen carefully to get an idea of what debts you have, who you owe, and what your basic income and expenditure is. We never ever judge anyone, we just want to help you get out of debt.

You’re certainly not alone. And it’s no coincidence that by far the most common phrase our friendly telephone advisers hear from people after their introductory phone chat is; “I wish I’d called you sooner.”

After you contact us

As with debt counselling, we understand that it’s most important that we take time to listen to you in order to help to understand your situation. We’ll probably ask you about your income, your expenditure, whether you live on your own or with other people, and other relevant things. We handle all information with absolute confidentiality, of course. (In fact some of our clients don’t even tell their partners that they’ve contacted us and this is something we always respect for as long as you want.)

That first telephone call with us will take around thirty minutes, so it would help if you had a rough idea of who your creditors are and what you owe them, as well as a rough idea of what your monthly income and expenses are.

Once we have enough information, and we’re sure we can help you, we’ll talk you through the debt solutions that are most appropriate for your needs. Our Debt Management Plans (DMPs) and Individual Voluntary Arrangements (IVAs) are always based around what you can afford to pay back, which means our debt solutions are affordable and sustainable too.

Debt counselling specialists

We’re hopeful that once you’re a PayPlan client you’ll feel more confident that you don’t need debt counselling because our debt solutions are affordable and sustainable, and we will do everything we can to help you regain control of your finances and become debt-free.

If you still feel that you’d benefit from debt counselling, some local authorities (but not all) offer a free debt counselling service with a specialist organization. In this case, please contact your local authority for more information.

But remember whether you seek debt counselling or not, we at PayPlan are always here to help you.

We’d love to hear from you if you’re in debt and you feel you can’t cope anymore, because after twenty years in the debt management business we’re sure we can help.

Have a chat with our friendly debt advisers, and you may find that this alone might begin to ease the pressure and the burden of debt. And it could well be your first step to a brighter future without any debt.

Call us free on 0800 316 1833, or fill in our online Debt Help form so we can contact you.