Move to one realistic payment with DMP · IVA · DRO. Calm calls and letters, protect essentials, and start building forward again.
✅ Start Free CheckIf you're struggling with monthly payments, an affordable repayment plan could be the solution you need. Whether you’re behind on credit cards, council tax, utility bills or payday loans, we help you regain control with realistic monthly options.
What this means in practice: we prioritise rent/mortgage, energy and council tax, then set one monthly payment for your unsecured debts. Most creditors will consider freezing or reducing interest once a plan is in place and you stick to it. If you’re facing urgent pressure, Breathing Space may pause most contact for up to 60 days while things are arranged.
Start Free CheckAn affordable repayment plan is a structured way to pay off debt based on what you can realistically afford each month. Instead of facing constant calls, late fees, or threats of enforcement, you can deal with all your debts in one go — and start rebuilding.
We map your income and essential bills first, then set a single monthly payment for your unsecured debts. Depending on the route, interest/charges are often reduced or stopped, and contact is channelled through your plan. If you need a formal route with stronger protections, compare IVAs, DMPs and DROs, or see IVA vs DMP vs Bankruptcy.
See If You QualifyWe’ll protect essentials (rent/mortgage, energy, council tax) before setting any repayment to unsecured debts. This keeps your household stable while you clear what you owe. If bailiffs or enforcement agents are involved, read our guides on Excel Civil Enforcement, Bristow & Sutor, Equita, Jacobs and more.
Include My DebtsThere’s no one-size-fits-all solution. Based on your income, living costs, and debt total, you may qualify for one of the following:
Unsure which is best? Compare them side-by-side: IVA vs DMP vs Bankruptcy.
Compare My OptionsEvery situation is different. Some people pay as little as £80 per month through a plan — depending on their budget. Use this quick estimator to gauge a ballpark figure:
This tool gives an indicative figure. Your advised payment will consider full budgeting standards and creditor responses.
Get My EstimateFormal protections may apply depending on the route you choose, and we’ll walk you through trade-offs before you decide.
Calm The PressureNot necessarily. Even if you're unemployed or on benefits, you may qualify for solutions like a Debt Relief Order or a minimal-payment plan. We’ll assess your circumstances to find the most suitable route.
Good to know: token or breathing space style arrangements can buy time if your income is temporarily reduced, before moving into a longer-term plan when your situation improves.
Check EligibilityYes — most debt collectors can be included in formal repayment plans. This includes companies like Lowell Financial, Moorcroft, Link Financial and more. Once your plan begins, contact from these companies should reduce or stop. For enforcement/bailiffs, see our pages on Excel Civil Enforcement, Newlyn and Marston Holdings.
Add My CollectorsWe prioritise essentials first. Your plan is set from what you can truly afford, so payments usually reduce compared to paying everyone separately.
Often yes (especially in DMPs) and formal solutions have stronger restrictions. We’ll explain what’s realistic with your creditors.
Where suitable, it can pause most enforcement and contact for up to 60 days while you set up a plan. We’ll confirm if it fits your situation.
Formal solutions can affect credit. The priority is building a sustainable budget that protects your home and essentials.
Ask A SpecialistNo new borrowing needed. If you can’t pass affordability checks for a consolidation loan or don’t want to risk secured borrowing, a DMP or IVA can reduce payments using your budget, not your credit score. Many creditors consider stopping interest/charges when a fair offer is made and maintained. If collections are intense, consider starting with Breathing Space while your plan is prepared.
Good fit if: you have multiple cards/loans, high rates, and can commit to one realistic payment that fits after rent, energy and council tax.
Reduce Payments TodayCreditors may freeze or reduce interest/fees when you show a fair budget and stick to payments. Formal solutions (e.g., IVA, DRO) have stronger restrictions on new interest and enforcement. If you need breathing room first, our team can discuss Breathing Space options for up to 60 days while a plan is set up.
Tip: keep all correspondence and make your first payment quickly once agreed — consistency strengthens your case for further freezes.
Ask About FreezesIf arrears are piling up on council tax, energy bills or rent, deal with these first. We’ll protect essentials before setting any payment to credit cards/loans. Where enforcement agents are instructed, our guides help you respond calmly and legally. For energy arrears, suppliers often agree to manageable repayment plans or hardship support — ask before arrears escalate.
Prioritise My BillsIf money is tight short-term (job loss, illness), token payments can pause pressure and keep accounts stable while you recover, before moving into a fuller plan. If appropriate, a Breathing Space application can reduce contact and enforcement for up to 60 days while we build your budget and contact creditors.
Explore Token PlanAlready have a County Court Judgment? You can still put forward an affordable offer based on your income and essentials. If court action is threatened, get tailored help quickly — it’s usually easier to agree an affordable monthly payment before judgment than after.
Set A Fair OfferBudgets are tighter when you’re caring for others. If you have low surplus income or receive benefits, you might qualify for a DRO (no payments for 12 months if criteria are met) or a very low DMP payment. We’ll map your exact circumstances and check eligibility carefully.
Check Low-Income HelpPaying just minimums on credit cards can extend repayment times dramatically and cost more in interest. Use this quick tool to compare sticking with minimums vs. switching to an affordable plan.
Illustrative only. Actual lender minimums vary and may change. An adviser will confirm a precise plan based on your full budget.
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