a DMP with StepChange and cleared all my debts - they were marvellous and provided a real support. Fantastic organisations and free to debtors. _________________ "Sometimes my perception of my own brilliance is only surpassed by its reality" Post subject: Re: hi im new ,, just a few q before contacting a dmcompany Posted: Tue Nov 13, 2012 6:14 pm Site Admin Joined: Wed May 05, 2004 9:23 pm Posts: 5249 Location: UK Hello - can I just say here that both Step Change and Payplan ask that all debts be included - not just the ones one feels one is having problems with. The reason for this is that creditors are paid on a pro-rata basis and if one excludes debts one is basically saying - "I'll keep you going but want to pay less on that one". Creditors can and do check credit reports and come back and let both companies know that other credit is being used. If one's total disposable income is being made available for creditors then there should not be any money left for paying creditors outside the plan. If you are already in a plan though I would always advise fessing up though as DMCs want their plans to succeed so will do what they can to help. Post subject: Re: hi im new ,, just a few q before contacting a dmcompany Posted: Tue Nov 13, 2012 6:47 pm Hi, I'm New Joined: Tue Nov 13, 2012 12:39 pm Posts: 7 ok