What we are
Debt Challenger is software that prepares letters for you. We are not solicitors, and nothing on this platform is legal advice — it's administrative software and legal education based on publicly available UK law. If you are facing imminent court action, bankruptcy, or severe financial distress, seek independent legal counsel or contact a free regulated service like StepChange.
How to use it safely
Use Debt Challenger for yourself only — in your own name, for your own debt disputes. This rule is there to protect you: drafting correspondence in another person's name without their explicit written authorisation is a material breach of these terms and may constitute fraud under the Fraud Act 2006.
Closed beta: Debt Challenger is currently in closed beta. Features may change or break, and your data may be reviewed by us for QA. Your use is governed by the four policies below — please read them before accepting.