I can't keep up with my debt management plan payments.. help! what can i do? I don't think my creditors will put up with me missing another payment and i don't know what to do. im starting to think that a iva would of been a better idea but i have already commited to a DMP and am paying them 250 pounds a month to manage it. if i change to an iva would i still have to pay off the debt management plan or could it be cancelled so i no longer have to pay the 250 per month?