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i This solution is available throughout the UK.

Debt management plan (DMP)

Debt management plan (DMP)

A debt management plan (DMP) is a debt solution that can be used to help you pay back your debts at an affordable rate. It’s normally suitable if you're struggling to meet the original repayment amount you’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 if you're struggling to keep up with your normal debt payments, but who still have money available to you 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

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?

If you're thinking of setting up a DMP, take two minutes to answer a few simple questions, so we can understand the right way to help 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.

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

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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