Editorial Policy: How We Research, Check and Correct Our Guides

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Debt information affects real decisions, so it has to be accurate, current and honest about its limits. This page explains who writes our guides, which sources we rely on, how we keep pages up to date and how to tell us when we’ve got something wrong.

Who writes our guides

Our guides are researched and written by the DebtSolution.net editorial team and published under the team’s name. We don’t use named author profiles, and we don’t claim that our content is written or reviewed by qualified debt advisers, solicitors or insolvency practitioners.

That’s why we lean so heavily on official sources and link to them: you shouldn’t have to take our word for anything. For advice about your own situation, always speak to a free, regulated debt adviser — see free debt advice.

Sources we use

We check facts, limits, fees and procedures against primary and official sources wherever possible:

  • GOV.UK and the Insolvency Service (DROs, bankruptcy, IVAs, Breathing Space)
  • legislation.gov.uk for Acts and regulations, such as the Limitation Act 1980 and the enforcement agent regulations
  • The FCA Handbook, especially the Consumer Credit sourcebook (CONC), and the FCA register
  • HMRC guidance on tax debts and payment plans
  • MoneyHelper, Citizens Advice, National Debtline, StepChange and Shelter for practical, up-to-date guidance

We don’t rely on marketing material from debt management companies, unsourced statistics or forum posts. If we can’t confirm that a figure is current, we describe the rule in general terms and link to the official source instead of quoting a number.

How we write

  • Plain English. We explain jargon or link to our debt glossary.
  • Answer first. Sections start with a direct answer, then the detail.
  • Balanced. Every solution guide covers costs, risks and credit-file effects as well as benefits, and says who the option is not suitable for.
  • Clear about scope. Our guides cover England and Wales. We flag where Scotland or Northern Ireland differ.
  • No pressure. We don’t use countdowns, fake urgency, testimonials or promises about how much debt you could write off.
  • Priority debts first. Where it matters, we remind readers that rent, mortgage, council tax, energy and court fines come before other debts.

Keeping guides up to date

Every guide shows a “last updated” date. We aim to review each guide at least once a year, and sooner when:

  • the law or official guidance changes (for example, Debt Relief Order limits, bankruptcy fees, enforcement agent fees or renting rules);
  • a reader reports a possible error; or
  • an organisation we link to changes its services or contact details.

We only change the “last updated” date when we have actually checked or changed the content.

Independence and money

We currently have no advertising, affiliate links or referral partnerships, and no organisation pays us to appear on the site. If that changes, adverts and affiliate links will be clearly labelled, we will update our How we make money section, and commercial arrangements will never decide which option a guide recommends. We will always point readers to free debt advice first.

Corrections policy

If you think something on the site is wrong or out of date, email corrections@debtsolution.net with the page address, what you think is wrong and, if possible, a link to an official source.

  1. We check it

    We compare the report against official sources.

  2. We fix it

    If we were wrong, we correct the page as soon as we can and update its “last updated” date.

  3. We’re open about it

    For significant errors — anything that could have changed a reader’s decision — we add a short note to the page explaining what changed.

For anything else, see our contact page.