Debt management plan UK advice is available by calling 0800 074 6918 or by competing the online form on the left of the web-site. If you have enough money left over after paying your priority creditors and essential expenses, you may be able to arrange a debt management plan.

The advantages of using a debt management plan organisation are that:

•  The person in debt makes only one payment direct to the debt management plan organisation.
•  The debt management plan organisation divides the payment fairly between all your creditors
•  The person in debt does not have to contact your creditors themselve the debt management plan organisation does this
• The person in debt will pay to the debt management organisation direct one affordable monthly payment
• The overall debt amount is reduced.
• In the UK there are 2 types of debt management plan organisationl; fee charging ones and free ones. Fee charging one are ofter better at dealing with aggressive creditors. Please note that E-insolvency can set up either free debt management plans or fee charging debt management plans.

•  most debt management plan organisations charge an upfront fee which can be quite high. This leaves you with less money to pay off your debts
•  most debt management plan organisations also charge an administration fee to the customer each month. This leaves you with less money to pay off your debts
• some debt management plan organisations take all of the first month's payment as a fee. This puts your account into arrears by a month or more. These arrears will be recorded on your credit file
• debt management plan organisations only deal with non-priority debts and you will have to deal with the more important priority debts yourself
• most debt management plan organisations do not give benefits advice or financial advice so you may lose out on important information about your finances.

How to apply for a UK debt management plan