A debt management plan (DMP) is an informal arrangement for repaying non-priority debts through affordable regular payments. In Sheffield, you can start with free, impartial advice from Citizens Advice Sheffield, StepChange or National Debtline, which can assess your income, essential spending and debts. DMPs do not usually cover priority debts such as rent, mortgage, council tax or energy bills, and creditors do not have to accept the proposed payments. If a plan is recommended, check any fees, how payments are distributed and whether the provider is FCA-authorised, using the FCA Register where appropriate.