Some people in debt choose this option, usually if their debts are too low or if they do not qualify for an IVA for some other reason. The Debt People have a sister company, Hamilton Locke, which operates to the same high standards of quality and customer service and can give you the best possible advice on a Debt Management Plan. With a DMP you will make a single monthly contribution in exactly the same way as with an IVA, and Hamilton Locke will distribute the money to your creditors, after deducting an agreed fee.