Debt advice you can trust.
- Expert guidance that works around you
- Lasting support to help you take back control
We’ll explain all fees and risks clearly, so you can make an informed decision.
To discover more about how to manage your debt and to receive free debt advice, you can visit www.moneyhelper.org.uk.
To discover more about how to manage your debt and to receive free debt advice, you can visit www.moneyhelper.org.uk.
21,820 people received debt advice from us in 2024
Simplify your debts
One affordable monthly payment, no more juggling debts
Breathe easier
2 in 3 people feel less stressed since getting support*
Personalised advice
97% say our advice fits their situation*
Simplify your debts
One affordable monthly payment, no more juggling debts
Breathe easier
2 in 3 people feel less stressed since getting support*
Personalised advice
97% say our advice fits their situation*
*MoneyPlus customer survey 366 respondents May 2025
Explore our most popular debt solutions.
Debt Management Plan
A flexible debt solution
- One affordable monthly payment
- Potentially stop interest and charges*
- Reduce creditor contact
- Cancel anytime
* Interest & charges are not guaranteed to be frozen, but we succeed in negotiating this over 95% of the time.
Individual Voluntary Arrangement
Protect your home from repossession
- One affordable monthly payment
- Stop interest and charges
- Potentially write-off debt*
- We’ll manage your creditors for you
*Once completed, any outstanding debt included in the IVA will be written-off.
How we help:
We know debt can feel overwhelming, so we make things simple. Our experts handle most of the work for you. If you qualify, here’s what happens next:
Contact us
Start online with our debt advice tool or speak with an expert advisor. We’ll listen to you and understand your debt situation.
Discover your options
We’ll tailor advice to your situation and recommend the best way forward. Whether that’s one of our plans or something else, we’ll always do what’s right for you.
Move forward
If a managed solution is right for you, we’ll contact your creditors and tell them you’re with MoneyPlus. If not, we’ll show you who can help.
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.
95% of DMP customer debts had interest and charges frozen in 2024
Still not sure?
We understand that no two money worries are the same.
That’s why we tailor our support to your situation, helping you find the right way forward.
Not ready to chat? Start with our online advice.
