Find a debt solution.

Debt advice. How can we help?

2 minutes average time to complete

Quick enquiry.

  • Answer 3 basic questions about your debts.
  • We’ll let you know if we can help.
  • Speak to one of our advisors or complete online.

15 minutes average time to complete

Full debt Advice Online.

  • 100% online debt plans!
    With our Advice Online service you can review all the solutions that work for you and then get set up on a plan. All online.

Learn more about managing your debts and receive free, trusted debt advice at You may also find it helpful to read more about paying off your debt.

People across the UK are finding debt solutions with MoneyPlus.

A debt solution that’s flexible

Debt Management Plan

A Debt Management Plan (DMP) means you pay one monthly amount. We can help you put a plan in place that’s realistic and affordable for you.

It’s important to note that a DMP is an informal agreement, and it’s not the same as insolvency. You are not tied into the plan for a minimum period of time, and you have the option to make adjustments to your payment plan.

Protecting your home from repossession

Individual Voluntary Arrangement

An Individual Voluntary Arrangement (IVA) is an agreement between you and your creditors. This  formal, legally binding solution means you can pay an affordable monthly amount for a set period of time – this is typically between 5 and 6 years. Any debt that remains is then written off.

Our IVA customers manage to write off over 70% of their total debt amount, on average, while more than a third write off over 80% of their debt**. An IVA also protects you against legal proceedings, contact from creditors, rising interest and additional charges, as well as asset repossession.
**From April 2022 to August 2022 37% of customers achieved a debt write off of over 80%, with average write off being 73%. It’s important to note that the amount of debt you can have written off depends on a number of different factors.

Other debt solutions.

Protected Trust Deed

This is a formal type of debt solution that removes the pressure of unrealistic debts. Designed for Scottish residents, this solution combines your debts into one monthly payment.

Debt Consolidation Loan

A Debt Consolidation Loan enables you to pay off unsecured debts by making one monthly payment as opposed to making various payments to your creditors.

Administration Order

An Administration Order involves paying back your debts over an agreed period of time – typically 3 years. It is an option for those with 2 debts or more totalling less than £5,000 and a County Court Judgement (CJC) that remains unpaid.

Minimal Asset Process (MAP)

This is designed for individuals who have little, or no, assets without the extra money to contribute towards their debt repayments.

How it works.

We aim to make the process as simple as possible, which is why we do most of the legwork for you. This is how it works:

Talk to us.

Tell us about your finances and the debts you’re having problems with.

Make a plan.

Based on the information you give us, we will make a plan to help you get out of debt. This could be with our help, or maybe not.

We are here for you.

We’ll contact your creditors on your behalf to tell them you’re using MoneyPlus’ services. Alternatively, we’ll let you know who can help moving forward.

Find out more about our debt solutions

Our experienced advisors are on hand to help you find a debt solution that is right for you. So, if you’re struggling with your finances, we’re here for you. 

At MoneyPlus, we appreciate that every customer’s situation is unique. That’s why we approach our customers with the compassion and respect they deserve, every step of the way.

Get in touch with our expert team to find a personalised debt solution today.