A debt management plan (DMP) is an informal arrangement that combines your unsecured debts into one affordable monthly payment, usually based on your budget. In Newcastle, you can get free, impartial advice from organisations such as StepChange, National Debtline or Citizens Advice Newcastle, rather than paying a commercial debt-management company. A DMP does not automatically stop creditor contact, and creditors may not agree to freeze interest or charges, so outcomes depend on your circumstances and their policies. Ask the adviser whether Breathing Space could apply, and check any provider is FCA-authorised using the FCA Register or gov.uk guidance.