What is a Debt Management Plan?

A Debt Management Plan (DMP) is a flexible arrangement that helps you repay unsecured debts such as credit cards, personal loans, store cards, and buy now pay later balances at a pace you can afford. Instead of managing multiple payments, you make one monthly payment which is shared amongst your creditors.

A DMP can provide extra time to clear your debts and may help make your finances more manageable. To be eligible, you’ll usually need enough income left after covering your essential household and living expenses.

Understand your options

Debt Management Plans may not be suitable for everyone. Fees could apply, and entering a plan may impact your credit score.

Find Out If You Qualify For Financial Relief

Complete the short assessment below to discover tailored support options that may help improve your financial situation. Secure, private and completely confidential.

What is your total debt amount?

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Less than £6,000
£6,000 - £30,000
£30,000 or more
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How much can you afford to pay monthly?

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Between £150 - £199
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Great News — You May Be Eligible

Based on your responses, there’s a strong chance that a specialist can help you explore practical options to reduce financial pressure and regain control.

  • Reduce monthly repayments
  • Potentially stop extra charges and interest
  • Reduce stressful calls, emails and letters

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Thank you. One of our specialists may contact you shortly to discuss your options.

By submitting this enquiry, you acknowledge that certain financial solutions may impact your credit profile for a period of time. Additional service charges could apply depending on the support provided. A follow-up call may be required to confirm your information and explain all available options, including their benefits and considerations.

What Debts Can Be Included in a Debt Management Plan?

A Debt Management Plan (DMP) is designed to help with many types of unsecured borrowing. While a wide range of debts can usually be included, some priority or secured debts will need to be managed separately.
Debts That Can Usually Be Included
  • Credit card balances
  • Unsecured personal loans
  • Bank overdrafts
  • Store cards and catalogue accounts
  • Utility bill arrears
Debts That Typically Cannot Be Included
  • Secured borrowing, such as mortgages or car finance
  • Student loans
  • Council tax arrears
  • Court fines or child maintenance payments
  • Ongoing household expenses, including rent, utilities, or insurance payments
Benefits
  • Get more time to repay your unsecured debts – credit cards, loans, overdrafts etc.
  • Make one affordable monthly payment towards all your unsecured debts.
  • You’ll be left with enough money to cover all your essential living costs.
  • The Debt Management Plan company will ask your lenders to freeze interest and charges.
Things To Consider
  • As you are paying less towards your debts each month, it will take you longer to pay your debts.
  • Must repay all of your debts in full.
  • We can’t guarantee your lenders will accept lower payments or freeze interest and charges but they normally do.
  • Your credit rating may be affected.

Find the Right Debt Solution
in Just 3 Simple Steps

Your journey to better financial control starts with one simple action. By taking the process step by step, you could move closer to a more stable and debt-free future.

Step
01

Quick Financial Check

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Step
02

Speak With Advisors

Our support team will guide you through suitable debt support options available.

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Step
03

Move Forward Confidently

Explore practical solutions designed to help you regain financial control.

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Around Your Situation

Whether your debt comes from loans, credit cards, catalogues, or other lenders, we help explore practical options to improve your financial future.

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Frequently Asked Questions

Find quick answers about debt support, payments, and available financial solutions.

Depending on your situation, options may include IVAs, Debt Management Plans, Trust Deeds, or other tailored financial support solutions.
Some debt solutions may help stop additional interest, fees, or creditor pressure depending on eligibility.
Certain debt solutions can impact your credit file, but they may also provide a path toward improving long-term financial stability.
Timeframes vary depending on the solution selected, but many people can begin exploring options within just a few minutes.
Yes, all conversations are handled privately and professionally to help you feel comfortable discussing your financial situation.

National Debt Helpline Limited is registered in Chorley. Registered Office Address: 172 Park Road, Adlington, Chorley, PR7 4JX. Company Registration Number: SC912436. ICO Registration Number: ZA474414. National Debt Helpline Limited is a firm of Licensed Insolvency Practitioners. Matthew Benson is authorised to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants of Scotland.
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To qualify for debt being written off through an IVA, you will typically need at least £7,000 in qualifying unsecured debt owed to two or more creditors. The percentage of debt written off depends on your individual circumstances. Based on average figures from J3 IVA clients between June 2023 and June 2024, customers achieved a potential 68.5% write-off of qualifying debt upon successful completion of their IVA.

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