A debt management plan (DMP) is an informal arrangement to make one affordable monthly payment towards non-priority debts, such as credit cards and loans. In Birmingham, you can start with free, impartial advice from Citizens Advice Birmingham, StepChange or National Debtline; an adviser can review your income, spending and debts before discussing suitable options. A DMP does not usually write off debt, and creditors do not have to accept it, so it may affect your credit record and interest charges. If you consider a paid provider, check that it is authorised by the FCA and understand all fees before agreeing.