Debt Management Plans
DMPAn informal agreement to repay non-priority debts through one affordable monthly payment. Creditors don't have to agree, interest may continue and it can take longer to repay. Your credit file will be affected.
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Does any of this sound familiar?
Monthly payments are becoming difficult to manage
You're relying on credit to cover everyday expenses
Multiple creditors are causing stress
You're unsure which debt solutions are available
You're not alone, and there may be more options than you think. Taking a few minutes to understand them is a good first step.
Check My OptionsGetting started is simple.
1
Tell us a little about your situation
Answer a few straightforward questions about your finances.
2
Explore your options
Your information can help identify debt solutions that may be relevant to your circumstances.
3
Take your next step
Understand the potential benefits, drawbacks and next steps before making a decision.
Different situations need different solutions.
Eligibility and suitability vary. Every option has advantages and disadvantages, and some may not be right for you.
Individual Voluntary Arrangements
IVAA legally binding agreement in England, Wales and NI to repay part of your debt over a set period, usually five or six years. Fees apply, it's recorded on your credit file and on a public register, and homeowners may be asked to release equity. Not suitable for everyone.
Debt Relief Orders
DROFor people in England, Wales and NI with low income, few assets and debts under a set limit. Debts are usually written off after 12 months. Strict eligibility criteria apply and it affects your credit file.
Bankruptcy
A legal process that can write off most debts if you can't repay them. It has serious consequences, including possible loss of your home and other assets, and restrictions on some jobs and credit.
Other support options
Including breathing space, budgeting help, token payment arrangements and, in Scotland, the Debt Arrangement Scheme or Protected Trust Deeds. Free advice services can help you compare them.
Not sure which might fit?
Explore My OptionsDebt help without the confusion.
Straightforward information
Plain-English explanations of how each option works — including the downsides.
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Support understanding options
Help understanding what may be available so you can make an informed choice.
Frequently asked questions
General information only, not personal advice.
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