Take back control with a Debt Management Plan
Reduce your monthly payments to one affordable amount. No court, no rigid terms — just a structured way to clear your debts at a pace that works for you.
- Flexible
- Adjust any time
- 1 payment
- Per month
- No court
- Involvement
- Informal
- Agreement
The advantages
Why people choose a DMP
Upfront cost
There are no fees to get started. Your management fee is included in your monthly payment.
Monthly payment
All your debts combined into a single, affordable payment that fits your budget.
Flexible terms
Increase or decrease payments if your circumstances change. No fixed end date.
Court involvement
A DMP is completely informal. There are no court hearings, legal proceedings, or public records.
Keep your assets
Your home, car, and possessions are not at risk. A DMP does not require you to surrender any assets.
Informal agreement
You are not locked in. You can leave or change your plan at any point without penalty.
How it works
How a DMP works
Day 1
Free assessment
A qualified adviser reviews your income, outgoings and debts to work out a realistic payment. We explain whether a DMP is right for you — no pressure, no obligation.
Week 1
We negotiate with creditors
We contact every creditor on your behalf to propose reduced payments and request that interest and charges are frozen.
Week 2
Make one monthly payment
You pay us once a month and we distribute it fairly to all your creditors. No more juggling multiple payments and due dates.
Ongoing
We manage everything
We handle all communication and paperwork with your creditors. If your situation changes, we adjust your payment to match.
Check your eligibility
Is this right for you?
You’re likely a fit if…
- Have multiple unsecured debts
- Are struggling to keep up with repayments
- Want to avoid formal insolvency
- Are a UK resident
- Have a regular source of income
It may not be right if…
- Only have one creditor
- Can comfortably afford your current payments
- Your debts are mostly secured (mortgage, car finance)
- Want a legally binding agreement
- Owe under £1,000 in total
Questions
Questions, answered honestly
2-minute check
Struggling with debt? See your options in 2 minutes.
Free, confidential and non-judgmental. Start by telling us roughly how much you owe.
No obligation · Won’t affect your credit score