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Citizens Advice (CAB)

Citizens Advice (CAB)

Citizens Advice offer free advice for residents in the UK. They provide face to face advice as well as over email and phone. Among many other topics, Citizens Advice provide help regarding housing issues, your rights at work and debt problems. If they think that you could benefit from a debt solution to help repay your debts they will direct you to a provider of free Debt Management Plans, and Individual Voluntary Arrangements such as PayPlan.

Citizens Advice is a charity funded by the lottery, charitable trusts, private companies and many more. They have been providing the UK with advice on various issues since 1939.


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There are other organisations in the UK that also offer free debt advice.

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No impact on your credit score.

Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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What is an IVA?

An Individual Voluntary Arrangement (IVA) is an agreement with the people you owe money to. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Management Plan?

A debt management plan (DMP) allows you to pay back your creditors each month at an amount you can afford. The DMP lasts until you have repaid your debts in full or your circumstances improve.

What is a Self-employed IVA?

A self-employed Individual Voluntary Arrangement (IVA) is an agreement to pay back what you owe whilst still running your business. You make affordable payments over a period of time (usually 5-6 years) and at the end, your remaining debts are written off.

What is a Debt Relief Order?

A debt relief order is a solution available if you are not able to afford any payments to people you owe to. It freezes debts for a year at which time they are written off if your circumstances have not improved.

What is Bankruptcy?

Bankruptcy is a type of insolvency that involves applying to the court in order to clear your debts. There is an upfront fee and you may be required to make payments from your earnings into the bankruptcy for up to 3 years.
Excellent, professional, friendly and empathetic service. PayPlan have given us our lives back!
Sandra Daly

Sandra Daly

5 stars
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