Plain English Debt Knowledge for the UK
Most people in debt pay what they're told because nobody explained how the system actually works. Debt Better changes that — with plain English guides, ready-to-use letter templates, and practical tools that put you back in control.
Why Debt Better exists
I know what it feels like to be on the wrong side of debt. I have been through my own serious debt crisis and come out the other side.
I have also spent my career managing complex stakeholder relationships and difficult conversations at some of the world's leading organisations. Negotiating with a creditor follows the same principles as any high-stakes conversation. Preparation, clarity, and knowing your position.
Most people facing debt have none of those things. Debt Better exists to change that.
What you get
£12
Everything you need to understand how the debt system works, know your legal rights, and negotiate confidently with creditors and collection agencies. Includes word-for-word phone scripts and three letter templates.
£25
The complete toolkit. The full negotiation guide plus 12 ready-to-use letter templates covering every scenario you are likely to face, from opening a settlement offer to disputing harassment to responding to a County Court Judgment.
Try Before You Buy
Use the Settlement Calculator to see what a realistic offer looks like for your specific lender and debt age. Use the Agency Directory to find out who is contacting you and whether they own your debt or are collecting on behalf of someone else.
Estimate your settlement range and balance growth, or find the agency contacting you.
Select your lender to pre-fill typical rates, then adjust any figure to match your exact account. Select who currently owns the debt to calibrate settlement ranges.
Full negotiation guide and 12 letter templates available
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Tips on negotiating debt, knowing your rights, and managing your finances, written in plain English. No spam. Unsubscribe any time.