123 Debt Solutions Review: Do You Have to Pay?

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

123 Debt Solutions Review: Do You Have to Pay?

No one ever wants to go into debt, but sometimes it is unavoidable. When debt piles up, it can feel overwhelming. You might feel like you will never get out from under it. However, plenty of businesses out there claim they can help you pay off your debt. If you're looking for a , you have come to the right place.

This isn't the only company that says it helps you deal with debt. Other companies to consider include:

Before working with any company, it is essential that you thoroughly vet them to ensure they are legitimate. If you're suffering from debt, there is also a good chance a debt collector is contacting you. If you need help dealing with a debt collector, DoNotPay can help.

Who Is 123 Debt Solutions, and Why Are They Calling Me?

123 Debt Solutions is a company that wants to help you get rid of your debt. If you are under a lot of debt, it is possible they got your name from a creditor and are trying to work with you. They are not a debt collection agency but instead are trying to eliminate your debt. Be aware that there is generally a catch to companies like this, so make sure you know all the details before you agree.

123 Debt Solutions offers debt management plans and individual voluntary agreements (IVAs). They mainly offer IVAs to help resolve your debt. However, please note that most IVAs are a type of insolvency in the UK.

Currently, 123 Debt Solutions is under liquidation. And according to the Financial Conduct Authority, a governing body that regulates the conduct of financial markets and financial services firms in the UK, 123 Debt Solutions’ registration has lapsed.

If you want to reach out to 123 Debt Solutions, here is their contact information.

Contact Details for 123 Debt Solutions
Phone Number1-800-989-1698
Online SupportContact Form

Other Ways to Resolve Customer Service Complaints

If you have an issue with 123 Debt Solutions that you cannot resolve with them, there are other options for resolving disputes.

Alternative Dispute Resolutions

Alternative Dispute Resolutions (ADR) is a method that involves a third party coming in to assess the situation. You can choose either mediation or arbitration. Both processes involve a third party, but mediation will likely end in your favour.


An ombudsman is a neutral third party who hears both sides of the dispute. They will consider both sides and decide on how to solve the dispute. Remember that either party might not like the "fair" resolution.

Small Claims Court

A final option, if nothing else works, is to take 123 Debt Solutions to small claims court. Depending on where you live, you can try to claim up to a specific amount of money.

  1. Northern Ireland: £3,000
  2. Scotland: £5,000
  3. England and Wales: £10,000

Get Debt Help With DoNotPay!

If a company like is reaching out to you, this most likely means you are under a decent amount of debt. A debt collector may also contact you. If a debt collector has contacted you, DoNotPay can help you determine if they are acting within the law.

We will ask you a bunch of questions, and based on your answers, we can help you figure out your next steps. For example, we can contact the debt collector with your demand letter. Or, if the company isn't acting within the law, we can file a complaint from you.

Here are the steps you need to take.

  1. Go to DoNotPay and search "debt collection.".

  2. Answer a bunch of questions about the debt collectors, including when and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you wish to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

That's everything. After you decide what you wish to do, DoNotPay will deal with everything else. We will send your request to the debt collectors or file a complaint in your name.

What Else Can DoNotPay Do?

There are many things that DoNotPay can help you with aside from handling debt collectors. We work with a wide variety of companies/businesses, which means we can assist you with quite a few different things. Here are some examples.


Getting into debt is never good, but sometimes there is nothing that can be done to avoid it. If you end up in debt, you may have to deal with a debt collector trying to get the money you owe. You can also look towards companies that offer ways to help you deal with your debt. Remember to thoroughly check out a company before giving them your information.

If a debt collector is harassing you, DoNotPay can help you deal with them. We can send a demand letter or file a complaint on your behalf. Contact us today to learn more about how we can help.

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