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Start challenging debt collectors using your legal rights

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Before you start — please read this

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. It is not legal advice, and nothing is ever sent on your behalf. If a court has issued a claim or judgment against you, that document carries a strict deadline which comes before everything else.
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.
Your use of Debt Challenger is governed by the three policies below. Please read them before accepting.

The essentials

Your data & conduct

I have read and accept the Terms of Service, Privacy Policy, and Acceptable Use Policy. I acknowledge that Debt Challenger is administrative software, not a law firm, and does not provide legal advice.

Quick security check

Protects your account from automated attacks.

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To continue: add your full name, enter a valid email address, choose a password of at least 8 characters, tick the agreement box, complete the security check.

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