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Debt Management Plans (DMPs) have helped tens of thousands of people change their lives. A DMP is an informal arrangement between you and your creditors, the DMP company will use their experience to negotiate the best deal for you.

With a DMP you can benefit from:

  • One monthly payment
    By making a single payment you can do away with the hassle of trying to keep up with multiple payments to creditors.

  • Affordable payments
    The payments to the plan are based on what you can reasonably afford, after all your relevant income and expenses have been taken into account.

  • Interest and other charges frozen
    Whilst not guaranteed this is often possible; if this is the case your debts will not increase during the life of the plan. This depends on your individual circumstances and creditors' agreement.

To qualify for a Debt Management Plan (DMP)
the general criteria are:
  • More than £5,000 of unsecured debt
  • 2 or more creditors
  • Disposable income of at least £200/month
  • Genuinely struggling with their debt

If your are experiencing problems with unsecured debt then a debt management plan may be an ideal solution to your problems. Addressing the situation now may prevent these problems becoming worse and if your debts start to affect your ability to pay your mortgage then arranging a debt management plan now is far better than possibly facing repossession later on.

If you think a Debt Management Plan maybe suitable for you please email us at