Hello there,
First of all, thanks for a very informative forum.

My position is that I currently owe approx ?ú17000 in undecured Debts. I am single, have no dependents, currently rent my home in Glasgow, and have no discernable assets. Two years ago, I took out a Debt Management Plan with "Payplan" paying ?ú110 per month to my creditors. However,I have to say I've not been impressed with Payplan - creditor hassle has not abbated, and the situation has now become so severe that its affecting my health. To make matters worse, I recently lost my job,and although I've subsequently found new employment,it's on a reduced income.
I now feel that I have to draw a line in the sand here, and look at a more formal arrangement, with a beginning, a middle, and an end to my debt position, and some protection from Creditor hassle. Consequently, I've recently contacted "Payplan", with a view to a Protected Trust Deed. To my surprise, they've responded by saying that, to move to a Trust Deed, I'd need to INCREASE my monthly payments to at least ?ú120 per month. I reckon my disposable income is now about ?ú100 per month.
My questions therefore are...
* Can you easily move from a DMP to a Protected Trust Deed?
* Based on the above, am I eligible for a Trust Deed.
* Is there a standard minimum monthly conribution, and is my ?ú100 enough?
* How/Where do I find out which providers are the best?

Thanks in advance for your help