We aim to make our website as accessible as possible. However if you use a screen reader and require debt advice you may find it easier to phone us instead. Our phone number is 0 8 0 0 1 3 8 1 1 1 1. Freephone (including all mobiles).
StepChange Debt Charity logo
Go
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.

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?

Try Debt Remedy

Free online debt advice in 20 mins

Get debt help

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 our Helpline (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. 

We're rated

4.8 out of 5
Read reviews of StepChange » Av. ratings for our service by DMP/DRO clients after 3 months.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2017