I've been managing a DMP directly with my creditors for several years now and have never missed a payment. I'm currently 3 months pregnant and with the prospect of 6 months off work on the horizon from Sept this year, I wanted to contact my creditors and ask them to accept a drastically reduced payment for 12 months, while I am pregnant and then on maternity leave, with normal payments to resume once I am back at work. I would put the money I usually pay them to once side to help pay my priority debts while I am off work as SMP does not cover what I have to pay out as well