Think The debt might not be yours?

Let's clear that up first.

Before diving into solutions like IVAs, it’s important to know where you stand. If you’re being chased for a debt you genuinely don’t recognise – or one that’s old enough it might no longer be enforceable – this page helps you get clarity.

But let’s be honest: if you know the debt’s real and you’ve made payments recently, disputing it won’t fix the problem. In that case, a proper solution like an IVA might be the smarter way forward.

Use the letters below if you’re genuinely unsure – not to dodge debts, but to make sure you’re not being pushed into repaying something you don’t legally owe.

When it might be worth challenging a debt

  • You don’t recognise the company chasing you
  • You’re being chased in someone else’s name
  • You haven’t made payments or acknowledged the debt in over 6 years (England & Wales only)
  • You’ve never received a full breakdown or credit agreement

 

When it’s probably not worth it

  • You’ve made a payment within the last 6 years
  • You’ve written to the creditor or acknowledged the debt
  • You know it’s a legitimate account, just unaffordable
  • You’re trying to stall or avoid enforcement without resolving anything

📌 In those cases, disputing will only delay the inevitable.
You’ll likely save time and stress by exploring debt solutions now – and for many, an IVA is the cleanest legal route forward.

✉️ Use the right letter (free templates)

Choose the one that fits your situation. These are safe to use and won’t accidentally restart the debt clock:

1. Statute Barred Check (6-Year Rule)

2. Dispute a Debt You Don’t Recognise

3. Request the Credit Agreement (CCA Request)

🔄 What happens after you send a letter?

  • Debt collectors must pause collection activity while they investigate
  • If they can’t produce proof, the debt may become unenforceable
  • If they can, and it’s valid, it’s time to deal with it properly

 

📣 Reminder: If the debt’s enforceable, delaying action won’t make it go away. But acting now could stop bailiff action, freeze interest, or write off unaffordable balances through a legally backed solution like an IVA.

🤝 Still unsure?

Message Bill with your situation.

If the debt’s real, we’ll help you explore the real options — clearly, legally, and without judgment.

📢 Disclaimer: Just Ask Bill is a free information service. I do not offer financial advice. Where appropriate, I may point you to NDH Financial, an firm of insolvency practitioners, who's Insolvency Practitioner is licensed by the ICAEW or a suitable free service.