The best option depends on your debts, income and circumstances, so start with free, impartial guidance from organisations such as StepChange, National Debtline or Citizens Advice. A debt management plan (DMP) is an informal arrangement, and providers may differ in how they deal with creditors, review payments and explain possible fees. If you consider a fee-charging company, check that it is authorised on the FCA Register and compare its costs with free alternatives. MoneyHelper and GOV.UK also explain your options before you commit.