Do you need help with debt?

If you’re worried about debts, it can be difficult to know where to turn. At PayPlan, we’re specialists in finding solutions for people with multiple debts, and over the past 25 years, we’ve helped over 1 million people take control of their finances. We are trusted by the MoneyHelper to offer impartial, expert advice on a wide range of debt solutions.

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What is your residential status?

What's your employment status?

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

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: and .

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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.

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.

How we can help

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If you have debts, and are worried about keeping up with your payments, we can help you to get them under control

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We can advise you in the range of options available to you, even if your income is currently unstable

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Our expert advice is completely FREE and confidential