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How to apply for a debt management plan yourself. When will you need to use a commercial company? Should you use a free service?

Should you open a new bank account if starting a debt management plan? If so which type is best? Is it worth paying for a managed account?

A guide to the living expenses allowed if you start a Debt Management Plan. Get a copy of our comprehensive guide.

Housekeeping budget guidelines for a Debt Management Plan. What if you spend more? Can you include a budget for children over 18?

Should you postpone your DMP if you plan to move. What if you want to rent? Should you delay if you want to buy? What if your credit rating is already poor?

How to set up a Debt Management Plan yourself. How much to pay each creditor. How to negotiate with them. When to start making your payments.

You do not have to use a DMP before starting an IVA. When is it best to start a DMP first? Are there any downsides of starting DMP before an IVA?

What is the Debt Management Protocol? What standards has it introduced? Are they mandatory? Will the introduction of the Protocol be effective?

If you are considering starting a DMP we ask which is the best company to use to help you? A commercial company a charity or even implementing the plan yourself?