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Questions asked regularly and interesting questions asked elsewhere on Beat My Debt are posted here for the benefit of all.
#673
It is possible to keep certain debts out of the DMP. This may be useful if you require a credit card for work expenditures. However, as a general rule you should include all your unsecured creditors within the plan. If you favour one over another, this could lead to problems when negotiating, as your creditors may feel you have not treated them all fairly.

Furthermore if you are keeping a debt out of the DMP so that you can continue borrowing money (e.g. a credit card) you are just getting further into debt and not resolving the problem.

It is better to deal with all the debts in one place and ensure there is enough money left for all household expenses so that further borrowing is not required.