We connect you with SRA-regulated solicitors who are experts in consumer credit law. They fight to get debts written off, cut your settlement amounts, and hold creditors to account
Get Your Free Review - No ObligationOur legal partners are regulated by the Solicitors Regulation Authority (SRA). An initial review may be free, but fees apply if you hire a partner. Some partners offer a 50% fee cap (inc VAT), subject to eligibility and their terms. Not suitable for everyone. Read more. Debt reductions and write-offs depend on your individual case and paperwork.
We connect you with expert legal partners who fight to reduce or write off your debt
We connect you with SRA-regulated solicitors who are experts in consumer credit law. Many creditors hold debts that simply aren't legally valid. Our partners know exactly how to prove it.
Creditors must follow strict legal rules. If their paperwork is missing, incomplete, or breaks those rules, the debt may be completely invalid. This is what they'll do:
Our legal partners don't just set up payment plans. They use the law to question whether you actually owe the debt at all.
Our legal partners manage the entire legal process. You focus on getting your life back
Our legal partners review your debts and walk you through their approach step by step. They set up affordable monthly payments with you and open your case file.
Timeframe: Consultation + 1-2 days file preparation
Our legal partners send formal requests for your credit documents under the Consumer Credit Act. They check every piece of paperwork for legal errors and challenge any debt that isn't properly valid.
Timeframe: 12 working days response period + 2-4 weeks review
Where a debt holds up legally, our partners use their findings to negotiate hard. The result is often a much lower settlement or a payment plan that actually works for you.
Timeframe: 4-8 weeks settlement discussions
Debts that can't be enforced are written off. You get written proof from the creditor and your credit record is updated. Where debts are reduced or settled, you move forward free from the burden. Results vary by case.
Written confirmation delivered
These types of debt are covered by the Consumer Credit Act and can be legally challenged. Our partners have achieved write-offs, reductions and cancellations across all of them
Credit Cards
Visa, Mastercard, Amex
Personal Loans
Bank and building society
Store Cards
Argos, Next, M&S, etc.
Payday Loans
Short-term high-cost credit
Catalogue Debt
Littlewoods, Very, Freemans
Bank Overdrafts
Different documentation rules apply
Please note: These debts are covered by the Consumer Credit Act 1974. Utility bills, council tax, mortgages and HMRC debts work under different rules and cannot usually be challenged the same way.
Our partners use the Consumer Credit Act 1974 to spot debts that don't hold up legally. Those debts get challenged head on
Our partners cap their fees at 50% (inc VAT) of the debts you ask them to take on. You will never pay more than that
Our partners guarantee that what they get for you is worth at least what you paid. If they fall short, you're protected
Our legal partners are fully regulated by the SRA. Qualified solicitors handle your case from start to finish
Understanding the scale helps you realise you're not alone in this struggle
Falling behind or finding repayments a heavy burden
Average as of August 2024
Consumer credit & mortgage cases (2024)
These protections come from our regulated partner law firms, not from Debt Freedom Solutions. We are the introducer
Our partner firms guarantee that what they achieve for you is worth at least what you pay them. If they fall short, you're protected. Full details are in their client agreement.
Subject to the partner firm's eligibility rules and client agreement
Our partner firms cap their fees at 50% (inc VAT) of the total debt you ask them to take on. You will never pay more than that. It is written into their client agreement as a firm limit, not an estimate.
See the partner firm's full terms for exact scope and conditions
A debt can become unenforceable for several reasons. The creditor may be missing the original credit agreement. They may not have given you all the required terms. They may have broken Consumer Credit Act rules. Or they may have failed to send the right legal notices. If a creditor can't show the correct paperwork, a court may rule that the debt cannot be enforced.
Debt management plans and IVAs assume you owe the full amount and focus on how to pay it back. Our legal partners do something very different. They ask whether the debt is even legally valid in the first place. If a debt is found to be unenforceable, the result can be full cancellation and a £0 balance. If it is enforceable, our partners use their legal findings to negotiate a much lower amount. Results depend on the facts of your case.
When a debt is written off or resolved through legal action, the creditor must update your credit file. The entry is removed or marked as settled. Your legal partner handles this as part of their service and will tell you what to expect for your specific situation.
Our partners charge affordable fixed monthly payments spread over your case. Fees are capped at 50% (inc VAT) of the total debt they take on for you. You will never pay more than that. All costs and the fee cap are explained clearly in their client agreement before you agree to anything.
Even if a debt holds up legally, our partners are skilled at finding legal weaknesses that give them power at the negotiating table. They use this to push for big reductions, often well below the full balance. Their Minimum Results Guarantee means what they get for you should be at least equal to their fees, subject to their terms.
Once your legal partner sends formal requests under the Consumer Credit Act, creditors have 12 working days to respond. If they miss that deadline, they may lose the right to take court action until they provide the correct paperwork. Your legal partner handles all contact with creditors as part of their service.
It depends on your case and how quickly creditors respond. Many cases see a first outcome within 12 to 18 months. Some cases take longer if they are complex or if creditors are slow to respond.
Our partners can typically challenge debts covered by the Consumer Credit Act. This includes credit cards, personal loans, store cards, payday loans, hire purchase agreements and some overdrafts. Utility bills, council tax, mortgages and HMRC debts work under different rules and usually cannot be challenged this way. Your legal partner will check whether your debts are suitable.
