Debt Management Plan (DMP)
An informal flexible agreement between you and your creditors to repay all your debts. Regular payments to a licensed debt management company.
Best for unsecured debts you can still afford to pay over time.
Advisers available now
See if a payment plan could work for you
Why it's worth checking if you're eligible for a Debt Management Plan:
- An informal arrangement
- One monthly payment based on your situation
- Flexible — payments can be reviewed if your circumstances change
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5/5 on Trustpilot
Thousands of clients helped across the UK
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100% confidential
To find out more about managing your money and getting free and impartial debt advice, visit www.moneyhelper.org.uk, an independent service set up to help people manage their money.
Our 3 step debt help process
Experienced advisers are ready to provide free, non-judgemental support to check if you're eligible for a Debt Management Plan and other solutions.
Speak to an expert
Tell us about your income, expenses and debts.
Get advice
Receive clear, personalised advice on your options.
You decide
Choose the solution that works best for you.
Debts we can help with
Not all debts are equal. Priority debts have serious consequences if ignored. The rest are usually frozen once you're in a debt solution.
Priority: deal with these first
Non-priority: important, but safer
Council tax
Priority: bailiffs risk
Utility arrears
Avoid disconnection
Income tax & NI
HMRC enforcement
CCJs & bailiffs
Court action: act fast
Credit cards
Frozen in a DMP
Payday loans
Interest capped
Personal loans
Negotiated down
Store cards & catalogues
Frozen in a DMP
Swipe
A solution that fits your life
Not sure which is right? We'll walk you through every option and help you choose, with no pressure and no judgement.
Individual Voluntary Arrangement (IVA)
A formal, legally binding agreement with your creditors to repay an affordable amount over a fixed term, with any remaining qualifying debt written off at the end.
Best if you have larger unsecured debts and a regular income to commit.
Debt Relief Order (DRO)
A formal solution for people with low income, few assets and qualifying debts. After a 12-month moratorium period your qualifying debts are written off.
Best if you have minimal income and assets and can't realistically pay your debts.
Breathing Space Scheme
Get 60 days of protection from creditors while you get debt advice and consider your options.
Best if you need time to plan without creditor pressure.
Breathing Space is currently available in England and Wales only. If you are based in Northern Ireland or Scotland, our advisers will explain the equivalent options available to you.
Stop dreading
the phone calls.
We speak to your creditors, so you don't have to. Our advisers handle the negotiations, the paperwork, and the follow-ups. You just make one manageable monthly payment.
Stop creditor calls
We deal with them on your behalf.
Lower payments
Negotiated to what you can afford.
Barclaycard
HSBC
Capital One
Lloyds
Santander
Representative creditors shown. We work with hundreds of UK lenders.
Working with UK Debt Expert
We're tackling problem debt across the country with the help of UK Debt Expert.
Our advisers provide clear, non-judgemental support tailored to your individual circumstances.
If you're unsure where to turn, especially as everyday costs continue to rise, we're here to help you understand your options.
Why get debt help?
Put a plan in place
Take a structured approach to managing what you owe.
Have an end date in sight
Move forward with a clear and realistic repayment plan.
Control your budget
Build a budget that fits your lifestyle and circumstances.
Reduce pressure
In some cases, contact from creditors may decrease.
Rated 5 Stars
Verified reviews from people we've helped, straight from Trustpilot. Real words, real relief.
"I came to Refresh after a very turbulent time in my life. They were understanding, didn't judge, and helped me see a light in my very dark place. Keith was professional but so friendly and made the process easy in a time that has been so overwhelmingly stressful. I honestly can't thank Refresh enough. Highly recommend!"
Kimberleigh R.
"Shane is phenomenal at what he does, a true credit to the organisation and general society. I suffer with severe anxiety, so you can imagine what my debt was doing to me internally. I finally got the courage for help and although I'm very sceptical, Shane was very reassuring and advised me clearly. Honestly, we need more Shanes in this world."
Emily J.
"Shane and Roisin have been extremely helpful and considerate when I told them about my financial situation. I've been struggling a lot recently but they have given me a bit of hope that I can get out of my rut and gradually become debt free again. Thank you."
Stephen Z.
Answers before you ask
The questions we hear most often. If yours isn't here, just ask us on the phone. No commitment required.
How much does your advice cost?
There is no charge for your initial debt advice. If you go on to enter a debt solution with us, a fee will apply — this will always be explained in full and agreed with you before anything is set up.
Will this affect my credit rating?
Entering into a debt solution can affect your credit rating for at least 72 months. We'll explain exactly what each option means for your credit before you decide.
How long does the initial call take?
Most first conversations take 15–20 minutes. We'll gather the facts, listen to your situation, and explain what your options look like.
Are you regulated?
Yes. Refresh Debt Advice is a trading style of Refresh Debt Services Limited, authorised and regulated by the Financial Conduct Authority (FCA No. 674160). Client funds held in connection with a Debt Management Plan are protected by the Financial Services Compensation Scheme in the event of firm failure.
What if I can only pay a small amount?
That's fine. A DMP or other solution can be based on what you can genuinely afford after essential living costs. We'll never push you into something that isn't right.
Do you help people across the UK?
Yes. We serve clients across England, Wales, Scotland and Northern Ireland. Wherever you are, our advisers will take the time to understand your situation and walk you through your options.
Free, confidential, no obligation
Ready for a fresh start?
Our advisers are ready to listen. One short call is all it takes to understand your options and start taking back control.
Mon–Thu 9am–7pm · Fri 9am–3:30pm
FCA Authorised · No. 674160
Please note. We are happy to provide you with debt advice only. We only charge a fee if you opt for a debt solution with us. Entering into a debt solution can affect your credit rating for at least 72 months. All fees will be discussed prior to the commencement of any debt management plan. For free and impartial debt advice, you can also visit MoneyHelper.