PayPlan

Ways to clear your debt

There are several ways to deal with debt. The right one depends on how much you owe, what you can afford, and where you live. We'll help you find it.

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  • Always free
  • 3m+People helped
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  • 30+Years helping

Ways to clear your debt

England, Wales & Northern Ireland

Bankruptcy

Bankruptcy

DMP

Debt Management Plan

DRO

Debt Relief Order

IVA

Individual Voluntary Arrangement

Scotland

Trust Deed

Trust Deed

DAS

Debt Arrangement Scheme

MAP

Minimal Asset Process

Sequestration

Sequestration

How it works

1

Tell us about your situation

Answer a few simple questions about your income, outgoings and debts. Online, by phone, or on WhatsApp.

2

Find what you can afford

We work out a realistic budget and show you the options that fit your circumstances.

3

Know your next step

Choose the solution that feels right. We handle everything with your creditors.