If you’re struggling with debt then it can be difficult to know which way to turn. It can be confusing for a lot of people and choosing the right solution can be very daunting. Select one of our debt solutions to find out more or call to speak to a expert debt adviser.

Our most popular debt solutions

Debt Management Plan

Affordable monthly payments with no commitment

Debt management plans (DMP) are one of many available debt solutions that offer a flexible way to sort out your finances. They can change when your circumstances do giving you better control, whilst still making positive steps to reduce your debt.

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Individual Voluntary Arrangement

Clear your debt in only 5 years*

An IVA, or individual voluntary arrangement, is a legally binding agreement between you and your creditors, in which you agree to pay an affordable monthly payment for a set period of time – * typically 5 years.

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Protected Trust Deed

Your debt written off in 4 years*

Trust deeds are voluntary agreements between you and your creditors (the people you owe money to). You agree to repay part of what you owe them. A trust deed will normally include a contribution out of your income for a specified period; * this is usually 4 years but can vary.

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If you are struggling to pay your creditors each month, then you are at the right place. Having financial commitments that add up to more than you can afford to pay out is a difficult situation to be in, however, that is why we are here. Depending on your circumstances, there are a number of debt recovery solutions which help you to pay your debts in a more manageable way. We will assess your income and expenditure in order to advise what your next steps could be. We aim to reduce your monthly payments in line with what you can afford.

So whatever you are paying out each month, we may be able to help. Take our debt test to see which debt solution suits you or click the options below to find out more.

Other debt solutions


Bankruptcy is one way of dealing with debts you cannot afford to repay. It is a court order that you can apply for if you have unmanageable debts

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Full & Final

A ‘full and final settlement’ is an offer of partial repayment to your creditors in the form of a one-off lump sum payment, in return the creditor ‘writes off’ the remainder of your debt.

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Debt Relief Order

A debt relief order is an alternative to bankruptcy for people struggling with debts of less than £20,000.

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Other debt solutions for Scottish residents

Debt Arrangement Scheme (DAS)

A DAS is a debt management program, run by the Scottish government, which allows you to repay your debts over an extended period of time whilst providing you protection from their creditors.

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Bankruptcy in Scotland is often referred to as sequestration, and is a formal debt solution which can help you with unsecured debts.

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Advice you can trust

MoneyPlus is one of the UK’s largest, and most established, debt solution companies. We believe in providing the best quality advice and go out of our way to do so.

Important Information About Our Service & Fees

Whilst we strive in all cases to negotiate the best deal with your creditors, we cannot guarantee a reduction in interest or charges. Also as one of the largest providers of debt management solutions in the UK, we are able to provide initial advice over the phone without charge, however, if a debt solution is taken out, please be aware that fees will be charged. For detailed information on our fees, including examples for each product, please click here.

Further Additional Information

The insolvency service has produced a guide for people who are struggling with debt. This guide outlines each of the available solutions. You can download the guide by clicking the following link – Options for Paying off your Debt.

Money Advice Service

The Money Advice Service

To find out more about managing your debt and receiving free debt advice visit www.moneyadviceservice.org.uk or read the article Options for Paying off your Debt.

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Living in Scotland?

If you live in scotland you can find out more about managing your debt by read the debt advice and information package created by Scotland’s Insolvency Service.