Leaving certain debts out of DMP

Lettingissues77

Hi,
I think I am going to bite the bullet and go with a DMP. I was wondering is it best to include things like Klarna and Very? I have accounts with them with very small debts (usually pay in take 3) or 12 month interest free. Can I just not include them? 

Also Stepchange online is possibly suggesting a DRO for my husband, he has about £3000 debt in his name, would it be better to include it in a joint DMP, what is the pros/cons of a DRO.

Thanks, reading all the advice on this site has helped push me towards tackling my issues. Though I still am having moments of doubt, so am still stalling on action.

fatbelly

I think you need to talk to a live adviser rather than stepchange's AI tool.

A DRO is a cut-down version of bankruptcy. Excellent value for those who need them, and qualify. £3k would be at the lower end of use for them. Because it's a formal solution he must includa all debts and not treat creditors unequally in the run-up.

A dmp is an informal solution and you can do what you want