A debt management plan (DMP) should usually be reviewed regularly, often at least once a year, and sooner if your income, essential spending or household circumstances change. The provider may reassess your affordable payment, update your budget and contact creditors if the proposed payment needs to change. Tell your DMP provider promptly about changes rather than missing payments, as this could affect the arrangement. If you use a commercial provider, check its fees and terms; free guidance is available from organisations such as StepChange, PayPlan or National Debtline.