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An Individual Voluntary Arrangements (IVA) is a legally binding arrangement between you and your creditors. Payplan's Insolvency Practitioners will supervise the arrangement that will normally last for five years, and upon completion results in a significant part of your debt written off. A Payplan IVA typically completes with no fees charged to our clients.

Learn about an IVA


A DMP is an arrangement between you and your creditors which we manage for you.

You repay your debts at a rate you can afford and we help remove the stress by dealing with your creditors.

Payplan does not charge fees for debt management plans....


DMP Benefits


Bankruptcy is often the last resort for people struggling with debt because there are other free debt solutions you can get.

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Self employed IVA

A Payplan self-employed IVA enables you to avoid bankruptcy by making a formal arrangement with your creditors to pay off a...

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This is a partial offer to repay to your debts. It's made under the condition that your creditors agree to write-off the remainder of the debt...

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Trust deeds

A trust deed is an individual voluntary agreement to make reduced payments towards your debt – usually over 4-5 years...

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Debt arrangement scheme

An alternative debt solution in Scotland is the Debt Arrangement Scheme (DAS). This is a government-run debt...

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Sequestration is the Scottish equivalent to bankruptcy. If you can't afford to pay your debts when they become due, you...

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In debt?You're not alone!

Debt is a big worry for many people, as you'll see on our unique UK Debt Map. See how many people Payplan helped near you this year.

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Example IVA

In this typical example, we arranged an IVA for our client who was struggling to repay his debts. His payments are now more affordable!

  • Debt: £20,000
  • Creditors: 3
  • Was paying: £520 per month
  • Now paying: £120 per month
  • Written off: £12,000
See examples IVA advice

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  • Free debt advice
  • No hidden fees
  • Non judgemental

Here at PayPlan, we understand the effect that debt can have on your life, but we believe that living with debt shouldn’t have to mean living in despair.

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See what the people we’ve helped say about our debt solutions

Our debt advice rates 4.7 out of 5 based on 85 reviews

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

5 out of 5
I have no issues at all. Payplan have been excellent and have made my life much better by helping me carry my load. So glad I took out an IVA with them.

Self Employed IVA (Bespoke)
4 out of 5
Payplan has helped me live life Again, they have been very understanding and easy to talk to, it’s been hard but in my second year now and can see light at the end of the tunnel, thank you

Debt Management Plans
5 out of 5
A truly amazing service that has made a significant difference to the way in which I manage my debts i.e. I no longer have to (beyond making regular, affordable payments). I have been very impressed by all of the Payplan representatives that I have contacted; they have been consistently professional, helpful, courteous and sympathetic during what has been a difficult time for us financially. Many thanks to all at Payplan for providing this invaluable solution.

Trust Deed
5 out of 5
Excellent advice, service and always on hand to help with any issues that arise. Advisors are easy to talk to and always ready to help.

Read all PayPlan reviews

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