A Debt Management Plan (DMP) is a flexible and informal arrangement that can be used to help people pay back their debts at an affordable rate. It is normally suitable for someone who is unable to meet the original payment amounts to their creditors but still has some money available after all essential living expenses are paid. DMPs are available to everyone living in the UK. A DMP is arranged on your behalf by a third party, this means that you would make one affordable payment to your DMP provider each month and they would distribute this fairly amongst your creditors on your behalf. DMP’s are ideally suited to debts that are classed as non-priority (credit cards, loans, store cards, overdrafts and others). There are some debts that cannot be included in a DMP such as secured debts – so you would need to keep making these payments separately. This will all be taken into consideration when determining how much you can comfortably afford to your monthly payment for your DMP. Please note decreasing the amount that you pay each month may result in it taking longer to repay your debt.