Is a legal debt challenge right for you?

If you're struggling with consumer credit debt, a legal debt challenge may be an option worth exploring.

We'll explain the process, assess whether it may be suitable for your circumstances,

and answer your questions clearly and honestly.

How it works

1. Tell Us About Your Situation

Complete the short form with some basic information about your circumstances.

2. We Assess Whether a Legal Debt Challenge May Be an Option

We'll review your information, explain the process, and answer any questions you may have.

3. Introduction to our one legal partner

If we believe a legal debt challenge may be suitable, we'll introduce you to our legal partner to begin the next stage of the process.

4. Decide What's Right for You

You'll have the information you need to make an informed decision, without pressure or obligation.

£4m+

Debts Challenged Succesfully

£31,699

Largest Individual debt resolved

50%

Maximum fee cap

Estimated resolution time

6-24 mths

Client reviews

  • I managed to write off a lot of my debts. I didn't believe they could do it, but it's true.

    After 2 years of horrendous life following a breakdown and high business debts, half have been cleared and I can see some light at the end of the tunnel. The people are very nice to deal with.

    Julie Hardman - Trust Pilot

  • ⭐️⭐️⭐️⭐️⭐️

    I would like to thank everyone at Prowse Phillips Law Ltd for handling my case so professionally and for finally getting a great outcome. Thank you all so much.

    Andrea Hutton - Trust Pilot

  • Couldn’t thank this company enough

    Couldn’t thank this company enough for how there helped me with my debt especially Charlie he’s been amazing thank you.

    Kelly Hanwell - Trust Pilot

  • Lifted weight off shoulders

    Since I started with Prowse Phillips I felt like a weight was lifted off my shoulders. They are very professional and explained the situation to me in easy down to earth terms. As it has progressed I have constant updates and questions answered. The agent assigned to me Abbie Davies has been brilliant and the firm should be lucky to have her . All in all a great decision going with Prowse Phillips thanks guys

    Allan Prior - Trust Pilot

  • They are a wonderful company

    They took over all my concerns and have fought my corner. All I need to do is send all it over to my case handler for want of a better word, and I know she will do what she can for me.

    Mrs N Malyon - Trust Pilot

  • Absolutely Amazing Support

    Thanks to their help, I’ve been able to get back on track and finally enjoy motherhood without the constant stress and worry I was feeling a year ago. I’m so grateful to them for lifting that huge weight off my shoulders.

    Charlotte Locket - Trust Pilot

Get your free debt review.

Why People Contact Rebalance Debt Solutions

  • We explain the process in plain English.

  • We focus on education before introductions.

  • We work with one trusted legal partner.

  • We communicate the way you want.

  • We help people understand their options without pressure.

  • You Get Clear, Legal Answers

    Unenforceable debts: creditors are stopped, records corrected, and debts may be written off.

    Enforceable debts with issues: the errors are used to negotiate reductions or fairer payments.

FAQ’s

  • No. Our role is to help you understand your options so you can decide what's right for you.

  • We'll review your information, assess whether a legal debt challenge may be an option, and explain the next steps.

  • Not necessarily. We can communicate through email, messages, and WhatsApp during the early stages.

  • No. Every situation is different, which is why understanding your circumstances is the first step.

This is NOT debt management or an IVA. It’s not a negotiation of a payment plan. The process legally challenges the very existence of your debts using consumer credit law.

We provide legal services, not FCA-regulated debt advice. Outcomes vary, and write-offs cannot be guaranteed.

A monthly legal fee applies during the investigation.

Is this right for you?

What can be challenged?

Credit Cards

Payday Loans

Store Cards

Catalogue Debt

Personal Loans

These debts are regulated by the Consumer Credit Act 1974.

Utility bills, council tax, mortgages, and HMRC debts follow different rules and cannot be through this process.

Overdrafts

A Legal Debt Challenge that can erase what you owe.

Consumer credit law sets out rules creditors have to follow - like keeping proper paperwork and giving accurate information when you're an existing customer. Sometimes that paperwork is missing - especially in the case of debt movement/ selling, or mistakes have been made along the way. When that happens, debt can become harder for a creditor to enforce, and there may be grounds to challenge it.

A legal partner who specialises in this can:

  • Request the key documents your creditor is required to hold on your agreement - and they must respond within a deadline

  • Review those documents for regulatory breaches or errors

  • Challenge debts where enforcement looks doubtful, and press the creditor for a clear answer

  • Negotiate a fairer settlement where a debt is enforceable but flawed

  • Help set up manageable repayment terms if that ends up being the right path

This isn't the same as an IVA or a debt management plan. It's a legal process, run by solicitors, not a repayment scheme.

What we won't do: promise you a figure, a timeline, or an outcome before anyone's looked at your actual situation. Every case is different.

What we can do is help you understand whether this is even worth looking into for you - no forms, no financial details, no commitment.

More questions?

VISIT THE FAQ'S

Rebalance debt solutions partners with Prowse Phillips Law. The legal experts work to reduce your debt, improve your terms, and, where possible, help you write it off completely- so you can move forward with confidence.

Your details are not sold to multiple companies - and you will only be passed to Prowse Phillips when you have decided this is the right choice for you.

See full terms.

One trusted partner

Take the first step.