If you live in Liverpool, you can get free, confidential debt advice from organisations such as Citizens Advice, StepChange or National Debtline. A debt management plan (DMP) is an informal arrangement to make affordable payments towards non-priority debts, such as credit cards and personal loans. An adviser will review your income, essential spending and debts before explaining whether a DMP is suitable; creditors do not have to accept the proposed payments. Check that any paid provider is FCA-authorised, and use the official GOV.UK guidance or a local advice service if you need help with priority debts such as rent, council tax or energy bills.