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Which debts can be included in a DMP?

Which debts can be included in a DMP?

A Debt Management Plan is designed to help you repay your unsecured debts by making more affordable payments.

Unsecured debts that can be included in a DMP:

  • Personal loans 
  • Credit cards
  • Catalogues
  • Store cards
  • Overdrafts
  • Water bills

DMPs don’t include priority debts. These are debts that have been secured against your home and other assets, as well as utility bills or Council Tax. You’ll need to prioritise payments to these in your budget. These must be paid in accordance with the original agreement.

Priority debts that would be excluded from a DMP are:

  • Mortgages
  • Secured loads/second charge loans
  • Hire purchase agreements
  • Council tax (current bills)
  • Gas (current bills)
  • Electricity (current bills)

Our experienced advisors are here to help you find the right solution for your circumstances. Call us on 0800 316 1833, message us on WhatsApp or Live Chat. Our opening hours are 8am to 8pm Monday to Friday or 9am to 3pm on Saturday. Or, complete our enquiry form, and we will be in touch as soon as possible.

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