I would 100% recommend Payplan to anybody who is struggling with debt. It was a very easy process and even though at first i was dreading making the first step it was non stop constant help. Very friendly and understanding. The communication with my advisor is instant with emails and telephone conversations. There is an annual review every year for your budget and to see how you are coping with the payments. If during the year your finances change they are always willing to help and adjust your payments to suit. They have a website that you have a personal login to and all your budget information and payments you have made are on here also along with information to help you with other aspects that can help you reduce costs ie gas, electric, car and home insurance. They have been a godsend and i would recommend anyone who is struggling that you dont need to and to contact them for help.