Debt Management Plans (DMPs UK)

What It Is

A Debt Management Plan (DMP) is an informal agreement between you and your
creditors. Under a DMP, you make one consolidated payment each month, and that
money is distributed to your creditors. The idea is to repay what you owe, but with more
manageable, flexible terms.

It is not legally binding, which means creditors aren’t legally forced to agree, but if they
do, many will reduce interest or freeze charges to help you keep up.

How We Help / What We Do

  • Collect and review all your debts, finances, income & expenses
  • Negotiate with your creditors to agree on reduced payments, waived fees, or paused interest
  • Consolidate your payments into one monthly amount
  • Monitor progress, report to you, and adjust if circumstances change
  • Provide ongoing support and guidance

Benefits / Advantages

  • Integrity: Honest, transparent advice always
  • Compassion: Understanding the emotional impact of debt
  • Expertise: Knowledge of UK debt laws and solutions
  • Support: Walking with you every step of the journey

How It Works

01

Free Assessment

You provide your debt, income, and expenses. We analyze your financial situation completely free.

  • No obligation
  • Complete confidentiality
02

Proposal to Creditors

We propose the DMP terms with reduced payments to your creditors on your behalf.

  • Expert negotiation
  • Better terms
03

Agreement & Implementation

Once accepted by creditors, your reduced payment plan begins immediately.

  • Quick activation
  • Simplified payments
04

Monitoring & Support

We track payments, liaise with creditors, and adapt the plan as your needs change.

Ready to find out if a DMP is right for you?

Talk to our advisors today - it’s free, no obligation.

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