Write off your debt.

Reclaim your future.

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.

When we act, the pressure stops.

Debts Challenged Succesfully

£4m+

Largest Individual debt resolved

£31,699

6-24 mths

50%

Estimated resolution time

Maximum fee cap

Get your free debt review.

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

A Legal Debt Challenge that can erase what you owe.

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 experts who 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?

How It Works Step-by-Step.

How Our Legal Challenge Works.

A brown circle with a white number 1 in the center.

Eligibility Check (60 seconds)

Tell us a few basic details about your situation.

Number 2 inside a brown circle on a black background.

We Review Your Case

Our legal partners request documents and begin the investigation.

You Pay One Monthly Legal Fee

We agree an affordable monthly legal fee. You do not pay creditors during the challenge process.

A large light brown circle with the number three in white inside it.

We Challenge the Debt Legally

If there are compliance issues, we raise them formally.

Number 4 inside a large beige circle with black background

You Get Clear, Legal Answers

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

Enforceable debts with issues: we use the errors to negotiate reductions or fairer payments.

Large brown circle with the number 5 in white text in the center.

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.

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.

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.