The truth about legally challenging debt.

Debt Isn’t Always What It Seems

If you’ve received a letter, call, or email about a debt, your first instinct might be to worry - but not all debts are legally enforceable.

At Rebalance Debt Solutions, in partnership with prowse Phillips Ltd. we specialise in helping people challenge questionable debts, legally . We don’t offer financial products or repayment plans - we offer legal clarity.

Why Some Debts Should Be Challenged

Common issues include:

• Debts sold to third-party collectors without proper documentation

• Old debts that may be statute-barred

• Duplicate or inflated charges

• Mistaken identity or errors in account details

• Unlawful interest or fees added after default

How We Help you Rebalance

Our partner challenges the enforceability of debts under the Consumer Credit Act 1974, holding creditors to account and working to establish clarity around liability - always in your best interest.

1. Taking Over Communication

• You stop receiving direct contact

• Our partner handles all correspondence

• You get breathing space - and reduced stress

2. Request Legal Evidence

Creditors are asked to provide:

• The original credit agreement

• A full breakdown of charges and interest

• Proof of ownership if the debt has been sold

• Any legal notices or documentation they’ve issued

3. Legality is assessed

Our partners determine:

• Is the debt enforceable in court?

• Are the charges fair and lawful?

• Has the creditor followed proper procedure?

Your Rights Matter - And You’re Not Alone

At Rebalance, we believe:

Debt shouldn’t be a mystery, you shouldn’t be pressured into payment without clarity and that legal support should be accessible and compassionate

What You Can Do Today

• Gather your debt details

• Complete our free debt review to get an estimated fee

• Submit your details to us to review

Take Control with Confidence

Debt doesn’t always mean repayment. Sometimes, it means challenging the enforceability. If you’re ready to challenge a debt or want to understand your rights, we’re here to help - legally, clearly, and without judgement.