UK Debt Management Advice
Get back on track with professional debt management strategies and free UK support.
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About debt management
Debt management involves creating a structured plan to repay what you owe.
Charities like StepChange offer free, impartial advice for those struggling.
What affects debt management
- Total debt amount
- Interest rates
- Disposable income
- Priority debts
Why compare Debt Management with us
Free Help
Charities offer zero-cost advice.
Stress Reduction
Stop creditor harassment.
Priority vs Non-Priority
Which debts to pay first.
| Priority | Non-Priority |
|---|---|
| Mortgage/Rent | Credit Cards |
| Council Tax | Personal Loans |
Help Organisations
Where to get free support.
| Name | Contact |
|---|---|
| StepChange | stepchange.org |
| National Debtline | nationaldebtline.org |
Expert advice
UK consumer finance is strictly regulated to protect you. Always check for FCA authorisation.
“Debt is a weight, but there is always a way to lift it with the right plan.”
Debt Management: pros and cons
Pros
- Clear end date
- Affordable payments
- Legal protection
Cons
- Affects credit score
- Fees (if using commercial firms)
- Budget will be tight
Choosing Debt Management
Free charity advice should always be your first call before any paid option.
- 1
Seek free advice first
Never pay for debt advice.
- 2
Prioritise essentials
Housing and heat come first.
Compare Debt Management
See what's available for your business today. It takes just minutes.
Steps for Debt Management
StepChange and National Debtline can usually start this process within a week.
1. List all debts
Include balances and rates.
2. Calculate budget
What can you afford?
Important considerations
Be wary of 'debt settlement' scams.
Understand the impact on your credit file.
Our Debt Management guide
We point you toward free, FCA-regulated debt advice charities rather than paid commercial firms.
Every option here is impartial — we don't earn a fee for referring you to a debt management plan.
How to start a debt management plan
1
List every debt
Balances, interest rates and minimum payments for each creditor.
2
Get free advice
Contact StepChange or National Debtline for an impartial budget review.
3
Agree a plan
Your adviser proposes affordable payments directly to your creditors.
Why choose Grow Your Business?
Wide choice of providers
We compare a broad range of UK providers so you can find the option that actually fits how your business operates.
Exclusive offers
We work hard to bring you exclusive deals, switching incentives and cashback where they're available.
Simple and fast
It takes just a few minutes to compare with us — and the deal you find could be well below what you pay today.
Types of Debt Management
Different options for different needs.
Seek free advice first
Never pay for debt advice.
Prioritise essentials
Housing and heat come first.
Providers we compare
Logos are for identification only. Check individual provider terms for full details.
StepChange
National DebtlineComparing with us is a no-brainer
“StepChange helped me breathe again.”
Mark, Cardiff
Debt Management guides
Debt Management FAQs
What is a DMP?
A Debt Management Plan is an informal agreement.
Will it affect my job?
Usually not, unless you work in finance.
Written by the Grow Your Business editorial team · Updated 26 July 2026