Debt Management Plan (DMP)
A debt management plan (DMP) helps you to manage your debts and pay them off at a more affordable rate by making reduced monthly payments.
Start taking control of your debts now!
Our vision & promise is to offer a safe place for people in debt to find help and support. Our services come without jargon. We are open, honest and helpful.
Start with 3 easy steps
Check If You Qualify
Get started online today
Speak To IVA Advisor
Our friendly, experienced team will explain the available options
Choose A Plan
Select the best plan for your circumstances and lifestyle.
Solutions we can help with
Once you’ve completed our free online assessment or spoken with one of our
debt advisors, we will have a better idea of what’s going on for you. Then,
we can discuss all the options you qualify for.
Main Debt Solutions
IVA
An IVA could allow you to make affordable repayments to your debts over a fixed period, with the remaining debt written off at the end.
Bankruptcy
We will assess your situation to determine if bankruptcy or an alternative solution is your most suitable course of action.
Debt Relief Order (DRO)
A debt relief order (DRO) is a way to have your debts written off if you have a relatively low level of debt and have few assets.
A DRO freezes your debt repayments and interest for 12 months. If your financial situation hasn’t changed at the end of this period then all of the debts included will be written off.
If you live in Scotland you may also qualify for other options such as
You can make affordable payments over four years and after this time any remaining debts are written off.
Repay your debts at an amount that’s affordable to you.
MoneyHelper joins up money and pensions guidance to make it quicker and easier to find the right help. MoneyHelper brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise.
Debt We Can Help With
Loans & Overdrafts
Store & Credit Cards
Benefits Over Payments
Catalogues & Buy now – pay later agreements
Debts with a Court Judgement
HMRC & Council Tax Arrears
Rent, Gas and Electricity arrears
For other debts contact Gravity Plus for clarification
Gravity Plus LTD is a limited company registered in England and Wales. Regulated by the FCA – Financial Conduct Authority Reference Number 813465. Registered Office: Anchorage House, Unit 1, 252 The Quays, Salford, England, M50 3SD
Money Helper is an impartial service set up by the Government. They provide free debt counselling, debt adjustment and credit information services.