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See customer review scores, services and fees. We provide information and comparisons. The company you contact will assess your circumstances.

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Northern Ireland: debt solutions are different here. Our guides cover England and Wales. We only show companies that say they work in Northern Ireland, and we have not checked every service they offer there. Free advice is always an option: see the free help below.

What the score means: how customers rated a company on Trustpilot. It is not our rating, and it does not show whether a company suits you. What a score cannot tell you

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  1. MoneyPlus Advice

    Debt advice and DMPs · IVA services

    4.6 / 5 351 reviews on Trustpilot checked

    Debt adviser with fee-charging debt management plans. IVAs go to its sister company, MoneyPlus Insolvency.

    Fees: Debt management plan fees: £52 a month (or 49% of your payment, if lower) from your first payment. A £500 arrangement fee is taken from the same payments, in parts, for up to 18 months. Ask how much of each payment reaches your creditors while both fees are taken. IVA fees come out of your IVA payments.

    Good to know: Its plans charge fees. Free plans are available elsewhere.

    Visit MoneyPlus Advice

    Opens the company’s website.

    • Debt advice
    • Paid debt plan (DMP)
    • IVAs
    Company details

  2. PayPlan

    Debt advice · IVA services

    4.6 / 5 4,405 reviews on Trustpilot checked

    Free debt advice and free debt management plans. IVAs go to its sister company, PayPlan Partnership.

    Fees: Free debt advice and free debt management plans. IVAs are run by a sister company, and IVA fees come out of your monthly payments.

    Good to know: Creditors pay PayPlan donations to fund its plans. An IVA is run by a different company.

    Visit PayPlan

    Opens the company’s website.

    • Debt advice
    • IVAs
    • Debt Relief Order help
    Company details

  3. StepChange Debt Charity

    Debt advice and DMPs · IVA services

    4.6 / 5 2,727 reviews on Trustpilot checked

    UK debt charity giving free advice and free debt management plans. It also sets up and manages IVAs through its own subsidiary, StepChange Voluntary Arrangements.

    Fees: Free debt advice and free debt management plans. IVAs have fees: they come out of your agreed monthly payment, with no up-front fee. It says IVA fees go back to the charity.

    Good to know: Its advice and debt plans are free, but its IVAs, run by its own subsidiary, charge fees.

    Visit StepChange Debt Charity

    Opens the company’s website.

    • Debt advice
    • Free debt plan (DMP)
    • IVAs
    Company details

What a review score cannot tell you

A score shows how customers rated a company on Trustpilot. It does not show whether an IVA or any other solution is right for you, what it will cost you, or how many arrangements finish successfully. Ask any company to explain its fees and what happens if your situation changes.

Understand your debt options first · How we choose and order companies