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debt management plan
A debt management plan (DMP) is a formal agreement between a debtor and a creditor that addresses the terms of an outstanding debt. This commonly refers to a personal finance process of individuals addressing high consumer debt. Debt Management Plans help reduce outstanding, unsecured debts over time to help the debtor regain control of finances. The process can secure a lower overall interest rate, longer repayment terms, or an overall reduction in the debt itself.
==Overview==
DMPs for consumers are often negotiated by a Credit counseling agency on behalf of the debtor.〔 Credit counseling agencies often address the debt by working with the debtor to set a budget based on their regular income and expenditures that will then include one regular bill payment that is allocated across the creditor(s). Agencies will negotiate on behalf of the debtor to lower payments and interest rates with creditors. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.〔 The effect on the debtor's overall credit score will vary. In the United Kingdom, as well as DMPs, residents can also apply for a Individual voluntary arrangements (IVAs), which can give the Debtor discount on their debt..
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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