If you have debts of over £3000 and are struggling to repay, get in touch today


Call us now on 0161 804 9999

Debt Management Plan

Turn a mountain of debt into manageable molehills with a debt management plan. We’ll give you all the help you need to put a DMP in place and reduce your repayments to a single affordable amount each month.

Customers can get free debt counselling, debt adjusting and providing of credit information services from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service click here www.moneyadviceservice.org.uk

Get back on track with 3 easy steps…

  • Check if you Qualify
    Check if you Qualify

    Simply get in touch and speak to one of our experienced Money Advisors to see if you qualify for any debt relief plans.

  • Consultation

    If you qualify for debt solution, you will then be contacted by our FCA authorised partners to discuss which options will be most helpful for you, This could be a DMP, IVA, Debt Settlement Plan, Trust Deed or other solution.

  • You Decide
    You Decide

    Once you have been advised of your options, you decide what you want to do. The Money Advisor service is free, confidential and no obligation.

What is a DMP – Debt Management Plan?

A Debt Management Plan, or DMP, is an informal agreement between you and your unsecured creditors to pay back non-priority debts, reducing your monthly payments to a single affordable amount each month.

There are both fee-paying and free-fee debt management plans available.

If you have a higher amount of debt a DMP may not be the right solution for you, as it could take you a lot longer to pay back your debts.

A DMP could be a good debt solution for you if you have some money left over each month after paying for food, accommodation and utility bills. The DMP provider will work with you to see what level you can afford to pay and this will be divided amongst the businesses that you owe money to.

UK legislation allows you to write off up to 85%* of your debts with an IVA…

Individual Voluntary Arrangements (IVA’s) were introduced by the Government in the 1986 Insolvency Act as an alternative to bankruptcy. They were put in place to help anyone in serious debt finding it difficult to make their monthly payments. If you live in Scotland the equivalent solution is a Trust Deed


Flexible – A plan can be agreed for any level of debt.

Security – The DMP does not include your assets.

One Monthly Payment – One affordable monthly payment to your creditors


Not Legally Binding – The DMP agreement is not legally binding.

Interest & Charges – Creditors may continue to add interest and charges..

Legal Proceedings – Once the DMP has been assigned, creditors may continue with legal proceedings.

Debt plans

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Start reducing your debt repayments and regain control...

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