Hello, I hope you do not mind us replying to your post. At Payplan we assess a client’s situation to determine what there circumstances are and what options they have available to them. Once a client is in a plan we will contact them annually to make sure that their plan is still suitable for them and they are maintaining their payments. As I am sure you are aware, peoples circumstances can change and this can mean that the route that they are on may no longer be their best option. It is then our duty to inform clients of this and present to them any other options available. This could be an IVA, if they are currently in a DMP, but we could equally advise them that bankruptcy is an option for them. Our main concern is always that the client is in a plan that not only suits them but is also sustainable for them with the aim to get them out of debt in the most appropriate way and it is never about how much money we make. I Many Thanks Gemma