“I'd been ignoring letters for over a year. The adviser didn't make me feel small — she just helped me work out a plan I could actually afford. I cried after the call, in a good way.”
Aaliyah · Birmingham
£12,300 of credit card debt
One call. One plan.
One goal — Debt free.
Confidential, plain-English debt advice from people who actually listen. In one short call we'll build a single plan to get you out of debt — for good.
2-minute check No credit-score impact 100% confidential
100% free
No cost, ever
2 minutes
Quick check
No pressure
You're in control
Judgement-free
Real support
Bring it all together
Many debts in - One payment out.
Stop juggling letters, app notifications and direct debits. We combine what you owe — across cards, collectors, council tax and utilities — into a single, manageable monthly payment.
Example debt total£15,000
- £4,820
Barclays
Credit card
- £3,140
Lowell
Collection agency
- £2,650
Council Tax
Local authority
- £1,980
Capital One
Credit card
- £1,290
United Utilities
Water arrears
- £1,120
BT
Overdue bill
One lower monthly payment
Just one
Replaces every debt above. Interest and charges frozen where eligible. You pay what's actually affordable — not what creditors demand.
- No more chasing calls or letters
- Predictable date, predictable amount
- Repayments based on what's affordable
Eligibility depends on your circumstances. Fees may apply. Some solutions affect your credit rating.
See what you could save
Instead of juggling multiple bills, your unsecured debts could be combined into one affordable payment.
£500
You're currently paying
£500
across multiple debts
You could be paying
£200
with up to 59% written off*
*Calculations based on projected average write-off data for IVAs and Trust Deeds approved in 2024. Subject to individual circumstances. Fees may apply. Not all applicants eligible.
Debts we can help with
LoansCredit CardsBuy Now Pay LaterUtility BillsOverdraftStore CardsCouncil TaxHMRC Debt
Not sure if your debt qualifies? Our advisers will check everything for you — no debt is too messy.
Getting help is easier than you think
Three simple steps, zero pressure.
1
Tell us about your debt
Answer a few simple questions about what you owe. No judgement — we've heard it all.
2
We find your options
Our expert partners check your eligibility across all UK debt solutions. Plain English, no jargon.
3
You choose what's right
We'll walk you through your options. Zero pressure — you decide if and when you're ready.
Your options, explained simply
There are several ways to tackle unsecured debt. Our advisers will walk you through each one.
Individual Voluntary Arrangement (IVA)
A legally binding agreement to repay what you can afford over 5–6 years, with the rest written off. Available in England, Wales & Northern Ireland.
Find out more →Debt Management Plan (DMP)
An informal arrangement to repay your debts at a rate you can afford. No legal process — just one manageable monthly payment.
Find out more →Debt Relief Order (DRO)
For people with lower incomes and minimal assets. Pauses debt repayments for 12 months — after which qualifying debts are written off.
Find out more →Bankruptcy
A last resort that writes off debts you can't repay. It has serious implications but can give you a genuine fresh start.
Find out more →These solutions may affect your credit rating and can involve fees. Eligibility depends on your individual circumstances.
Real stories
People like you, on the other side of it.
Every story below belongs to a real person who chose to share theirs.
“I tried debt charities and the wait was weeks. One Plan Debt got back to me the same afternoon. Interest is frozen and I'm finally making progress, not just standing still.”
Mark · Leeds
£21,800 across 6 creditors
“After redundancy I didn't know where to turn. They talked me through every option, didn't push me into anything, and let me sit with it for a week. I felt respected.”
Dave · Sunderland
£9,600 + council tax arrears
4.8 / 5 · 2,400+ verified reviews on Trustpilot
From the blog
Practical, jargon-free advice to help you manage your money.
How to cut household costs when money is tight
Small everyday tweaks that add up to real monthly savings.
Read more →Understanding your debt options — in plain English
IVAs, DMPs, DROs and bankruptcy — what they actually mean for you.
Read more →Building a budget that actually works
A simple framework that sticks, even when life gets busy.
Read more →Common questions
If you're unsure, you're not alone — here are the questions we hear most.
Today is a good day to start over.
Two minutes. No credit-score impact. No pushy phone calls. Just clarity on what's actually possible for you.