Debts That Cannot Be Included in DMPs

While a Debt Management Plan can be a great way of paying off your unsecured debt at a more affordable rate, there are some things that can’t be included in your plan. For more information, and how this might affect you, contact PayPlan on for free advice.

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What's your approximate level of debt?

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What is your residential status?

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How many lenders do you owe money to?

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What's your average monthly income after tax? (Please include benefits)

£0 – £999 £1,000 – £1,999 £2,000 – £3,999 £4,000+

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Do you own a vehicle? (worth more than £2,000?)

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Good news!

We can offer you a solution! The solution will mean you pay less to your creditors each month and it may be possible to write off some of your debts. If you would like one, or both of those things to happen the next stage is to either:

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If you’re worried about your debts, PayPlan can help you. Call us now on 0800 280 2816 or, if you’d prefer, click the “Get advice now” button to request a call back.

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Secured Debts such as:

• Mortgages
• Secured Loans/ Second Charges
• Car Hire Purchase

Utility Bills:

• Council Tax (Current Bills)
• Water (Current Bills)
• Gas (Current Bills)
• Electric (Current Bills)

Secured debts and Utility Bills are classed as priority debts, therefore they must be paid in accordance with either the original credit agreement (where applicable) or with prior agreement with the company.

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For immediate and free debt advice please call PayPlan free on 0800 280 2816 or use our Debt Help Form to submit your debt problem online.

More Information on Debt Management

• Get out of debt with an IVA
• Our debt solutions
• Compare debt management companies
• Questions about debt management
• How much can I save with PayPlan?