The best provider depends on your debts, income and whether you need wider debt advice, but free services such as StepChange, National Debtline and Citizens Advice are sensible places to start. A debt management plan is usually an informal arrangement, so check how payments, fees and creditor contact will be handled before signing up. If you consider a commercial provider, check it on the FCA Register and compare its charges with free alternatives. You can also use the official GOV.UK guidance or seek advice from a qualified debt adviser about suitable options.