The UK's Debt Help Site

Write off up to 83% of your debts

Debt Advice, IVAs & Protected Trust Deeds

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We'll find the right solution for you. No commitment and no upfront fees.


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All major creditors

We work closely with all major creditors.

UK Debt Creditors

Start your debt free future today

Sleepless nights, strained relationships and ill health are just some of the side effects of worrying about debt. We can help you become debt free in a few simple steps.

Our customers love us  

Become one of our 30,000+ happy customers today.

Why Choose Us?

  • Write off up to 83%* of your debts

    Over 10 years experience in helping people become debt free.

  • Freeze interest & charges

    Give yourself breathing space with protection from creditor action.

  • Stop harassment from creditors

    We deal with your lenders on your behalf which means no more bullying from creditors.

  • One low monthly payment

    Consolidate your debts into one affordable payment.

How does it work?


Fill in the simple form


We will call you and you can speak confidentially to a debt adviser


We work out a solution that suits your needs

An easy debt plan

Patricia had debts totalling £27,450. She was paying £550 a month. We arranged an IVA and she paid £110 a month for 60 months. She paid back a total of £6,600 with £20,850 of her debt being written off.



  Credit Card


  Payday Loans





Monthly Repayment



  Interest frozen

  One monthly payment

  No harrassment from creditors

  £20,850 debt written off

Low Monthly Repayment



Debt Advice, IVAs & Protected Trust Deeds

At easyDebtPlan, we specialise in debt help and advice that provides breathing space for those in financial difficulties. Just fill in the form and one of our experienced debt advisers will contact you to talk through your options. There is no commitment and no upfront fees. Whether you live in England, Scotland Wales or Northern Ireland, we will help you to find a solution which best suits your situation.

Expert debt advice

We'll ensure that your repayments are affordable, and we'll support you every step of the way with expert debt advice. We deal with your lenders on your behalf which means no more letters, emails and phone calls from creditors. In most cases, creditors agree to freeze interest and charges, and on average we can write off up to 83% of your debt*.

We work in partnership with some of the UK's largest providers of IVAs. They have successfully helped over 30,000 customers through Individual Voluntary Arrangements (IVAs) and Trust Deeds.

The process

A debt adviser will look through your finances, and this will help us put together a budget. We will suggest a payment amount towards your debts each month based on what you can afford, and it will take into account your essential outgoings like rent, food and household bills.

We will ask creditors to accept this lower monthly repayment and to freeze any interest and charges. They're not obliged to agree, but we'll explain to them why it's in their interest to do so. Once a monthly payment with your creditors is accepted, you should find it easier to manage your finances. We'll review your plan regularly to make sure it's still right for you and give your creditors regular updates.

There are no upfront costs associated with your arrangement, and there are no hidden charges. All fees included in your agreement are made clear. You'll be able to keep your home, but you may need to release equity to repay your debts. Once it ends, whatever's left of your unsecured debt is written off, so you'll be debt free.

IVAs and Trust Deeds will appear on your credit rating for six years, and details will appear on the Insolvency Register. An IVA (Individual Voluntary Arrangement) is available in England, Wales and Northern Ireland. Trust Deeds are only available if you live in Scotland.


Individual Voluntary Arrangements (IVAs) are available in England, Wales and Northern Ireland, and they are an attractive alternative to Sequestration and Bankruptcy. It uses government legislation to pay off your debts in affordable monthly instalments.

An IVA is a legal agreement to repay a set amount to your lenders. You can usually be debt free within five years. Interest and charges are frozen, and you make one affordable payment each month. Once you've completed the IVA for the agreed period, the remaining balance will be written off**. On average you can write off up to 83% of your debt*.

We deal with your lenders on your behalf which means no more harassment from creditors. An IVA is ideal if you have multiple lenders and are struggling with your current monthly payments.

What is an IVA?

Trust Deed

A Trust Deed uses government legislation to pay off your debts in affordable monthly instalments. It is only available in Scotland.

The terms of your Trust Deed need to be accepted by at least half of your unsecured lenders, or by lenders accounting for one-third of your debt. Once approved, it will become a legally binding arrangement between you and your lenders. Payments stretch over a four year period, with anything left at the end of the term being written off.

We deal with your lenders on your behalf which means no more harassment from creditors. Interest and charges are frozen, and you make one affordable payment each month.

Get Free Debt Advice


Safe, Secure & Confidential

30,000+ happy customers

“Helpful and understanding at every point of contact. I was nervous at first, but I was quickly put at ease and everything was explained clearly. I am now paying off my debts at a rate that I can afford — it gave me the breathing space I needed.”

Debt customer testimonial

Kevin, Edinburgh

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* In some cases up to 83% of the debt can be written off. The amount written off will depend on your circumstances, income, assets and the current write-off policy of your creditors. Levels between 25% and 80% are realistic, based on your ability to repay.

** If eligible, you may need to release equity on your property to put towards your IVA. Likewise, the rights to your assets are transferred to the IVA Supervisor, including your property. Details of your IVA will appear on a public register, and your credit rating will be adversely affected. If you fail to keep up your payments your creditor can chase for any outstanding debt, re-apply interest & charges, and could even petition for your bankruptcy.

All debt solutions should be very carefully considered. easyDebtPlan never charge for the service we provide, but if you enter into an Individual Voluntary Arrangement (IVA) or Debt Management Plan with one of our partner Companies, then fees will apply and these are made clear by the advisers and also in the documentation you receive. Debt write-off only applies on completion of the Insolvency Solution and details do appear on a public register. Full details will be discussed before entering into an agreement, and alternative options may be offered, where considered to be in your best interest. Your ability to obtain credit will be affected for 6 years, even if the solution lasts for less. Your assets and property could be at risk.

Money Advice Service: The Money Advice Service is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services.

By submitting your details via our form, you agree that the information provided is true and accurate and that easyDebtPlan may send the details of this enquiry to an appropriate partner for the purpose of furthering your enquiry and that the partner may contact you for further information. We will not send, sell, loan or lease your data to any other third party except those needed to provide the service you have requested.

easyDebtPlan is a trading style of Ocelor Limited. Company Number 557377.