How Not to Pay Debt Collectors When You Can’t Afford to Pay
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
When a letter from a debt collector drops through your door, it can be a shock. You might feel worried and wonder where the debt has come from. You might question if you have to pay for it. And you might worry about what to do if you can’t afford to pay. If this is you, don’t worry; we can help.
Every month, more than 170,000 people visit us for advice on dealing with debt, so you’re not alone. We have lots of experience, and we understand how you feel, as some of us have been in the same boat.
In this article, we will help you understand:
- How to check if the debt collector is real.
- How to find out if the debt is really yours.
- What to do if you can’t pay the debt.
- How to set up a payment plan.
- Ways to write off some or all of the debt.
We know that dealing with debt collectors can be scary. But with the right advice, you can take control and find a way forward.
Let’s get started.
Is My Debt Valid?
Being an Additional Authorised Cardholder
Being Under the Age of 18
» TAKE ACTION NOW: Fill out the short debt form
What Can I Do if My Debt is Valid and I Can’t Afford to Pay it?
Debt Management Plan (DMP)
Individual Voluntary Arrangement (IVA)
Debt Relief Order (DRO)
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly payments
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Monthly debt repayments
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
Should I Give Money to Debt Collectors?
Is the Debt Collection Agency Contacting Me Legit?
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
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