A debt management plan (DMP) is an informal arrangement that may combine your unsecured debts into one affordable monthly payment, which is then shared among creditors. In Belfast, start with free, impartial advice from organisations such as Advice NI, StepChange or the Money and Pensions Service, rather than paying a fee before understanding your options. A DMP is not legally binding, so creditors can choose whether to accept it and may still contact you or take further action. Your adviser can compare it with alternatives, including a Debt Relief Order or an Individual Voluntary Arrangement, based on your circumstances.