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Keep in mind though, that although your payments are more affordable, this can mean that you pay back your debt over a longer period of time, and therefore paying an increased amount overall.

If you would like help in creating a DMP, please feel free to contact us on 08 to discuss the best solution for you.

Debt Management Plans can be helpful, flexible debt solutions, but they're not for everyone.

Have a look through the various pros and cons to help work out if a DMP is right for you.

If however, you are experiencing difficulty in paying your essential expenses every month and are completely unable to pay back any of your creditors then a DMP is certainly not the best solution for you.

In this case we would be happy to advise you on the most advantageous solution for your individual situation – contact us on 08.

The manager of your DMP will be negotiating with creditors on your behalf, to help you attain a plan that best fits your financial situation, and so that you do not have to contact your creditors yourself.

A DMP can therefore often result in more affordable monthly payments, which are made to the manager of your DMP, who then divides it between your creditors accordingly.

DMPs are designed to help you better afford to repay your debt, by organising your monthly repayments into one single monthly payment, which is more affordable and freezing your interest payments.If you have disposable income available each month after paying all of your essential expenses like travel, food costs, bills and mortgage payments, but just not enough in order to pay back your creditors then you are likely a good candidate for a DMP.A DMP can be devised around the amount of disposable income you have left over and negotiated with your creditors so that you can then make smaller more affordable monthly payments.If you're still not sure, get in touch and speak to one of our experts for free.

Your plan will take into account your monthly expenses, to make sure that your essential needs like travel, food, household bills, and mortgage payments are taken care of adequately.Any money you have remaining after these expenses can then be used to pay back your creditors.