Welcome To Enjay Enjoy a simple, debt free life and see how much you can save Enjay’s Debt Management Plan is designed to simplify your finances by combining your credit cards, unsecured loans, store cards and overdrafts into one affordable monthly payment. The plan will give you peace of mind that you are becoming debt free and can get on with your life. You may well feel that each month your payments to your creditors makes no difference to the balance you owe and late payment charges only make this worse. Our highly trained advisors will speak to your creditors and request they freeze or reduce interest and charges. This will mean more or all of your payments will go towards clearing your debts.