Welcome to PayPlan – Free debt advice and support

Here at PayPlan we really do understand how debt can make you feel and how it can affect you and your family. But what makes PayPlan different is that we try to help you in a way that allows you to live a normal and happy life while you are repaying your debt.

For more than 20 years we’ve helped thousands of people with their debts while they get on with living their life. We can provide you with helpful and practical advice and guidance on a number of debt solutions.

By talking to PayPlan you will be showing that you really do want to do something to help solve your debt issues, and this in itself can help foster a better relationship with your creditors.  


Find my debt solution

Do you have more than one debt and need a solution?

  • Enter a few simple details
  • Choose help online or by phone
  • Get your personalised debt solution!
What's your approximate level of debt?
What is your residential status?
How many lenders do you owe money to?
What's your employment status?
What's your average monthly income after tax? (Please include benefits)
Do you own a vehicle? (worth more than £1,000?)

Good news!
Based on the information you've provided, we believe we can offer you a solution that will reduce the amount you're paying to your creditors, and it may be possible to write-off some of your debt.

To do this, we'll need to take some more information, in the way that suits you best.

Please select a contact method

Best time for us to call

PayPlan is here to help you

Some of the debt solutions we provide advice on include:


An IVA works by you agreeing to repay a percentage of your debt in affordable monthly payments over a given time (typically around five years), and your creditors agree to write off any outstanding debt once your final IVA payment is made.


A DMP is an informal agreement between you and your creditors whereby you agree to repay your debt in reduced payments that are more affordable for you.

Self-employed IVA

This debt management solution is specifically tailored for the self-employed. It works the same as an IVA in which you pay what you can afford for a set period of time and providing you keep to the terms of your agreement, your creditors will write off the rest of your debt at the end.  Self-employed IVAs were introduced so you can pay back your debts while still operating your business. 

Trust Deed

A Scottish Trust Deed is similar to an IVA and is an agreement between you and your creditors – the people you owe money to. It works by you agreeing to repay a percentage of your debt in affordable monthly payments over a given time – usually around four or five years. And your creditors agree to write off any outstanding debt at the end of your Trust Deed.


This can occur when an individual’s debts total more than their assets. Declaring bankruptcy means an individual is financially insolvent and can be relieved of outstanding debts.

For immediate and free debt advice please call PayPlan free on 0800 716 239  or use our Debt Help Form to submit your debt problem online.

Please note that not all of these debt solutions may be right for you, so to have a full assessment please call us or click on the ‘Get advice now’ button below.

Get advice now