How to Stay Motivated During a Long-Term Debt Challenge.
Legal Challenges Take Time
Taking control of your debt, especially when you're challenging it legally, is a journey. And like any travel, it comes with ups and downs.
Many clients tell us they feel:
Frustrated by how long things take
Unsure if they’re doing the right thing
Tempted to give up
Alone in the process
But here’s the truth: you’re not alone, and you’re not powerless.
How Rebalance Keeps You Motivated
At Rebalance, in partnership with Prowse Phillips, we’re committed to walking this journey with you. We help you stay focused and supported by offering:
Regular updates so you always know what’s happening
Clear explanations of your case and your rights
Supportive advisers who understand your situation
Celebrating wins, big and small, to keep momentum going
There is already £4 million signed off, and it’s just the start.
Taking Control Starts with Facing the Reality
Before you can challenge your debt, you need to understand it. That starts with facing your situation head-on.
Here’s how to begin:
5 Steps to Take Control of Your Debt
Acknowledge the Problem
It’s easy to ignore debt when it feels overwhelming. But facing it head-on is the first act of empowerment.Review the Full Picture
Gather what you owe and to who. Understanding this is key and the only way to get control.Explore Your Options
Not all debt is created equal. Some may be legally challengeable. Others may be eligible for restructuring or relief. Our partners can help you assess this.Determine Your Next Steps
Once you’ve reviewed your situation, decide what action to take. That might mean starting a legal challenge, negotiating with creditors, or seeking advice.Stay Committed
Debt resolution takes time. But every step forward is progress. Keep your goals in sight and lean on support when you need it.
Download our handy budget sheet.
Tips to Stay Motivated During the Process
Keep a journal to track your progress and emotions
Celebrate small wins, like sending off documents or receiving updates
Ask questions - knowledge is power
Remember your rights - you deserve fair treatment
You Deserve Fairness. You Deserve Support.
It is your right to have your debt has been handled fairly. Our partners review your credit agreements, challenge discrepancies, and fight for what’s right.
The Prowse Phillips guarantee:
Minimum Results Guarantee
Our partners are committed to delivering value: guaranteeing to either reduce your debt or identify breaches worth at least the amount paid us in fees. If this isn’t achieved this within the assessment period, they refund the difference. See full terms.
50% Fee Cap Promise
Your fees are capped and protected: you'll never pay more than 50% (inc VAT) of the total debts agreed to be challenged at instruction- regardless of how complex your case becomes or how much work is required. See full terms.