See if you could qualify to write off debt

Debt Management Plans

Check if you can qualify to write off up to 75% of debts.

  • Stop pressure and hassle from creditors
  • Freeze interest and demands
  • Reduce your debt by up to 75%*
  • There are no upfront fees

Complete the form and we can see what help is available

The above statement is in relation to a debt management solution and subject to specific criteria

Stop interest and demands. See if you qualify

Millions of people struggle with debt. You’re not alone, talk to us.

Reduce up to 75% of all debts*

Lower your repayments

No upfront charges to pay

Stop creditors harassing

Pay an affordable amount each month

Freeze interest rates and charges

The above statement is in relation to an IVA solution and subject to specific criteria

Check if you qualify

How much debt do you have?

Roughly how much unsecured debts do you currently have?

£5,000 - £10,000
£10,000 - £15,000
£15,000 - £20,000
£20,000 - £30,000

Whats your main type of debt?

Please just select your main debt type

Store cards
Credit cards
Car finance
Phone bills
Personal loans
Payday loans

Are you behind on payments?


How many debts do you have?

The number of different creditors do you have


What country do you live in?

Where about in the UK do you live

Northern Ireland

Congratulations, get your results!

We have a solution for you. Please enter your details and get your results.

Debt Management Plans

A Debt Management Plan is a flexible and informal agreement between you and your creditors to pay all of your debts.

Debt management plans are usually used when either:

  • you can only afford to pay creditors a small amount each month
  • you have debt problems but will be able to make repayments in a few months

You can arrange a plan with your creditors yourself or through a a licensed debt management company for a fee. If you arrange this with a company:

  • you make regular payments to the company
  • the company shares the money out between your creditors

The Money Advice Service has information on organisations that can give you free advice about whether a Debt Management Plan is right for you.

Get a Debt Management Plan

  1. Set up a plan with a debt management company authorised by the Financial Conduct Authority (FCA). Find an authorised company.

  2. The company works out your monthly payments. You’ll have to give details about your financial situation, eg your assets, debts, income and creditors.

  3. The company contacts your creditors and asks them to agree to the plan (they don’t have to agree to offers of repayment but they do have to accept the payments).

  4. As the plan is flexible you can review your monthly payments if your circumstances change.

  5. Your credit rating will be affected as your creditors may issue default notices.

Unless stated in the agreement, your creditors can still:

  • ask you to revert back to your full contractual payments at a later date
  • take action to recover their money even if you keep up your payments


Some companies will charge:

  • a set up fee
  • a handling fee each time you make a payment

Make sure you understand the costs of your plan and how you pay for it.

Advantages of a DMP

  • A DMP is an informal arrangement that avoids the need for formal insolvency procedures such as an IVA or bankruptcy
  • You make one monthly payment
  • Creditors will, in many cases, freeze interest and charges
  • Your monthly debt repayments will be reduced to make them affordable
  • There are no upfront fees and the service can be provided free of charge
  • You can cancel your DMP at any point
  • Illustrates that you are willing to tackle your debts
  • Can be a short term solution to pay off debts at a more manageable rate

Disadvantages of a DMP

  • A DMP avoids the need for any formal insolvency procedures such as an IVA or bankruptcy, although by being an informal arrangement, it does mean creditors are not obliged to accept the offer or can change their mind at any time
  • Your credit rating may be affected. A DMP means you are making a reduced payment to your creditors and although this has been agreed by your creditors it will still be noted on your credit file
  • Creditors may take further action to recover the debt, which may involve additional costs or charges. If a creditor has already commenced recovery or legal action, there is no guarantee that it will be suspended or withdrawn
  • Your monthly debt repayments may be reduced to make them affordable, but this usually means you will repay your debts over a longer period, and if interest and charges aren’t frozen, it could also cost you more
  • If you are a homeowner, creditors may seek a charging order to secure their debt against your property


Debt Management Plans can only be used to pay ‘unsecured’ debts, eg debts that haven’t been guaranteed against your property.

Your Responsibilities

Your plan can be cancelled if you don’t keep up your repayments. You need to maintain payments to your priority bills such as rent and council tax. There are restrictions on the expenditure for someone entering into a DMP.

Finding the right solution

Our new enquiries team we will be able to help you visualise your debt in a whole new light. The team are empathetic and supportive of all whom need support – and will not just help you to understand and gain confidence on your ability to clear debt, but will help you identify which solution best suits your personal circumstances.

We are experts in insolvency and help thousands of people every year write off the debt they can’t afford. Our talented team are on call for you.

Get help to start reducing your debt repayments

Check if you qualify