Reset your finances.
Reclaim your future.
When we act, the pressure stops.
Our specialist legal experts challenge the enforceability of your debt under the Consumer Credit Act 1974. Enforcement stops, and you start a journey to resolution.
This is not another repayment plan. You get:
Full legal support.
Relief from collection activities.
All creditor contact managed for you.
To move forward with confidence.
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.
Facts and figures
£4m+ Debt written off
•
One client written off £31k
•
Resolution average 16 months
•
Capped fees
•
2 year payment plan
•
£4m+ Debt written off • One client written off £31k • Resolution average 16 months • Capped fees • 2 year payment plan •
Get your free debt review.
Happy customers :)
A legal debt challenge that puts you in control.
Credit Resolve is a specialist legal service that helps you challenge the enforceability of your debts, using consumer credit law to push for fair outcomes and real results.
Here’s how it works:
Many debts become unenforceable due to missing paperwork, regulatory breaches, or mistakes made by creditors. Our partners are legal expert that help you take action by:
Requesting key documents from your creditors under the Consumer Credit Act - they’re legally required to respond within 12 working days.
Reviewing your agreements for breaches of consumer credit regulations.
Challenging debts that can’t be enforced - pressing creditors to confirm they won’t pursue court action and, where justified, requesting a full write-off.
Negotiating reduced settlements for enforceable debts with errors.
Helping you arrange fair repayment terms if needed, always with your best interests at heart.
This isn’t debt management. It’s not an IVA.
It’s a legal challenge, and it’s your right to use it.
What can be challenged?
Credit Cards
Visa, Mastercard, American Express and all major credit card debts
Payday Loans
Wonga, QuickQuid and all short-term high-cost credit lending
Store Cards
Argos, Next, John Lewis, M&S and all retail store card debts
Catalogue Debt
Littlewoods, Very, Freemans and all catalogue shopping debts
Personal Loans
Bank loans, building society loans and unsecured personal lending
Bank Overdrafts
Authorised and unauthorised overdraft facilities
PLEASE NOTE: These debts are regulated by the Consumer Credit Act 1974.
Utility bills, council tax, mortgages, and HMRC debts follow different rules and cannot be written off through this process.
Is this right for you?
CONTACT YOUR CREDITORS
A formal legal requests under the Consumer Credit Act (sections 77–79) is submitted, requesting your account documentation. Creditors have 12 working days to respond - if they don’t, they lose the right to enforce the debt in court. Where helpful, your full account history is requested via a Subject Access Request (which takes up to a month). All of your creditor contact is managed by our partner from here.
EST time: 12 working days (CCA) & 1 month (SAR, if needed)
FREE DEBT REVIEW
The first step is hardest - that’s why we make it easy, with a free review of your full debt situation. Our partner provides a clear explanation of how the legal process works, and you will agree on an affordable monthly fee. Once you say go, your case is set up.
EST time: Initial contact & 1-2 days for set up
Your path to debt freedom in 5 clear steps
LEGAL ANALYSIS & CHALLENGE
The legal team thoroughly reviews every document for errors, missing information, and regulatory breaches. If a debt is unenforceable, the creditor is asked to confirm that they won’t pursue court action and, where justified, a full write-off. For enforceable debts with issues, those flaws are used to negotiate better outcomes.
EST time: 2-4 weeks
NEGOTIATION & RESOLUTION
Where debts are enforceable but flawed, our partner will present the legal findings and negotiate on your behalf. This could mean reduced settlements or fair, affordable repayment plans - always on your terms.
EST time: 4-8 weeks.
CONTROL TAKEN BACK
You’ll receive written confirmation of any debt write-offs or settlements. Your credit file is updated, and you can move forward with confidence - knowing your debt is behind you and your rights have been upheld.
Final confirmation received - and future reclaimed.
This is NOT debt management or an IVA. It’s not a negotiation of a payment plan. The process legally challenge the very existence of your debts using consumer credit law.
More questions?
Our trusted partner
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. Minimum results guarantee and 50% Fee cap promise. See full terms.
