DMP advice please

second_chance

Hi all I’m currently 3 years into my dmp with stepchamge ... all going well with approx 2 years left
All but 2 of my debts have gone to debt collection companies .. my question is should I stick with stepchamge or go self managed? How receptive are debt collection companies to offers of payment outside of stepchange ?
The only reason I’m asking is because my three lowest debts which are around £120 210 and £330 I feel I could pay outright .. one a month and then tackle the bigger ones... I’m not sure it makes much difference really but my £120 debt drives me mental lol because it’s going to take 2 years to clear
Sorry for the waffle hope it makes sense!

sourcrates

Debt collection companies, as you put it, only care about getting the money from you, as long as its not stolen, they could not care less where it came from or who represents you.

These are commercial companies, you will get treatment no different to anyone else who is unfortunate enough to be paying back debt to them.

The greatest benefit about going self managed is the freedom to make decisions on your own terms, not those of a 3rd party, I would highly recomend you do it, as soon as you can.