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Are your debts legally enforceable?

Have your debts been passed to third party Debt Collection companies claiming you owe them the money?


Have you been paying into a debt management plan in the last 2 years?


Are you with a Debt management company , Payplan or Money advice Service?


80% of loans and credit cards are not legally enforceable.

Firstly, for those who are interested to know, how this works? , let us be clear, this is not a Debt management plan or an IVA. We have specialist solicitors who take your case and dispute any debt claims against you.

The Solicitors will ask your creditors to prove if they have a legally enforceable claim for the debts and have complied with every requirement of the consumer protection legislation.

In most cases, creditors will write off the debt or will agree to accept a reduced amount to avoid fighting a case against you.

How long does the process take?

The process usually takes around 6 to 12 months depending on how quickly the third parties respond to requests.

Do I  still pay my debts?

No, if you have returned all the required information back to the solicitors, you will stop any further payments.