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i This solution is available throughout the UK.

Debt management plan (DMP)

A debt management plan (DMP) is a debt solution that can be used to help people pay back their debts at an affordable rate. It’s normally suitable for someone struggling to meet the original repayment amount they’ve agreed with their creditors.

If you’re on a DMP you make reduced monthly payments towards your debts. This means a DMP is suitable for people struggling to keep up with their normal debt payments but who still have money available to them after all essential living expenses are paid.

A debt management plan (DMP) is usually arranged on your behalf by a third party provider, for example a debt charity or debt management company. This means you’ll make a single monthly payment to the DMP provider and they’ll contact all of your creditors and send each of them a share of your payment every month.

Video: An introduction to DMPs

Most debt management companies that offer DMPs will charge a fee for this service. However as a charity, we offer DMPs for free.

Sometimes, people self-manage DMPs, but this depends how confident you are in dealing with your creditors.

DMPs are available across the UK. So regardless of where you live in the UK, if you’re struggling to keep up with payments to your debts, a DMP could help you to get your financial situation back on track.

Is a DMP right for you?

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How can I set up a DMP?

Before you consider a DMP we recommend that you use our online debt help tool to understand whether it’s  the best option for you.

If you’d prefer to talk to us call us (free from all landlines and mobiles) and speak to one of our expert advisors.

Considering a DMP?

If you’re recommended a DMP, we can set up and oversee it on your behalf. We provide DMPs for tens of thousands of people each year who are dealing with all manner of circumstances. Whatever solution you’re recommended, we’ll do all we can to help you. 

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