Trusted debt help & advice
Find a debt solution today.
- One affordable monthly payment
- Potentially stop interest & charges
- Over 25 years providing debt help
If you enter a solution with MoneyPlus we will charge you fees. If you do not enter a solution managed by us, there will be no fee for the advice that we provide. All fees and risks will be explained in full before you enter into a solution.

To discover more about how to manage your debt and to receive free debt advice visit www.moneyhelper.org.uk


Support and guidance
We offer debt advice and support to everyone who gets in touch.

Potentially stop creditor contact
Although not guaranteed, some solutions will stop all contact from creditors.

Reduce interest and charges
We’ll always aim to freeze interest and charges, and we succeed over 95% of the time.
Our most popular debt solutions.
A flexible debt solution
Debt Management Plan
With a Debt Management Plan (DMP), you come to an informal agreement with your creditors to repay the money you owe. Our specialists will help you calculate how much you can afford and then you’ll make one set repayment per month. This money is divided between your creditors. A DMP isn’t insolvency. You aren’t tied in for a minimum period, and if your financial circumstances change, you can alter your repayment plan.
Protect your home from repossession
Individual Voluntary Arrangement
An IVA is a legally binding agreement that you reach with your creditors. Under an Individual Voluntary Arrangement, you pay an affordable monthly sum over a fixed period of time. This is usually 5 or 6 years. Any debt included in the IVA that remains after this point is written off.
The median average debt written off by our customers who completed their IVA in 2024 was 72%.
How it works.
We’re here to make things as easy as possible for you. We know that dealing with your debts can be stressful and confusing, which is why our experts do as much of the work for you as we can. If you qualify, here’s what happens when you contact us:
Talk to our experts.
Chat to our specialists about your finances and the debts you’re struggling with.
Find the right solution for you.
Based on your individual situation, we’ll come up with a plan to get you out of debt. This may be through one of our managed solutions or it may not be. Our advice is based on what’s right for you.
Take the next step.
If you’re using our managed solutions, we’ll reach out to your creditors and tell them you’re with MoneyPlus. If not, we’ll make sure you know who can help.
Why Choose MoneyPlus Advice?
21,820
People provided with debt advice in 2024
Jan 2024 – Dec 2024
95%
Percentage of DMP customer debts that have interest and charges frozen
DMP customers Jan 2024 – Dec 2024
£19,203
Average total debt of new DMP customers in 2024
DMP customers Jan 2024 -Dec 2024
“I really cannot speak too highly of MoneyPlus, they literally saved my life.“
— Stuart, Norfolk
Read Stuart’s story…
Alternatives to a Debt Management Plan or IVA
Protected Trust Deed
Available to eligible people living in Scotland, a Protected Trust Deed is a formal debt solution designed to ease the pressure of debts you can’t afford to repay. It combines these debts into a single monthly payment.
Debt Consolidation Loan
With a Debt Consolidation Loan, you can pay off all of the unsecured debts you have by making one monthly payment, instead of having to pay multiple creditors separately.
Administration Order
An Administration Order is a formal agreement that allows you to repay debts over a specified time period, typically 3 years. It’s available to people with at least 2 debts that total less than £5,000 and who have an unpaid County Court Judgement (CCJ).
Minimal Asset Process (MAP)
This is a scheme intended for people living in Scotland with few or no assets and without the disposable income they need to make debt repayments.
Bankruptcy
Usually seen as a last resort, Bankruptcy is a legal process and a type of insolvency that writes off debts you can’t afford to repay. It may be suitable for you if you can’t repay the money you owe in a reasonable amount of time.
Settlement
A Settlement involves making a lump sum payment to your creditors. This can either be a full and final settlement or a partial settlement.
Remortgage
By Remortgaging, you can renegotiate the terms of your current mortgage and release equity that may have built up in your property. You can use the lump sum this provides to pay off your outstanding debts and potentially to free up income.
Breathing Space
The Debt Respite Scheme, also known as Breathing Space, offers legal protection from action by creditors for up to 60 days. This includes the majority of enforcement actions, including adding interest and charges and making general contact.
Still unsure or want to know more?
Confused about which debt solution might be best for you? Don’t worry, help is at hand. At MoneyPlus, we know that everyone’s financial situation is unique. That’s why we approach all our customers with the individuality and care they deserve. We’ll find a solution that works for you.
Simply get in touch with our specialists today to find out more about our trusted debt help solutions. We’re here to help you start living better.
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