A debt management plan (DMP) is an informal arrangement for repaying certain unsecured debts, usually through one affordable monthly payment. A free debt adviser can review your income, outgoings and debts, then explain whether a DMP or another solution may be more suitable; try Citizens Advice Newcastle, StepChange or National Debtline. Creditors do not have to accept a DMP, and interest, charges or collection activity may continue, so check the terms carefully. For impartial guidance, compare providers through MoneyHelper or use the official GOV.UK debt advice information.