What is DMP?

A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments. DMPs from StepChange Debt Charity are fee-free.

We'll work with you to establish a budget that meets your household's needs. If a DMP's right for you we’ll help you set up and manage it, at no cost to you.

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DMP Simple Process

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How do I apply for an DMP?

Firstly, have a debt advice session online or over the phone. If we think a debt management plan is suitable for you, we’ll recommend it. at the end of your advice session. You’ll then get a personal action plan with a step-by-step guide to apply for one.
We’ll confirm the information you’ve provided is correct and work out the single monthly payment you’ll make to us to share among your creditors. To allow us to manage your payments you’ll need to send us a signed agreement and Direct Debit form.

• Benefits of an DMP