Before you pay a debt letter, check whether the claim is clear

Upload your letter and get a free first check. If there are points worth reviewing, you can choose a full analysis with a ready-to-send response draft.

Many people pay first and only later realise they could have asked for proof, clarification or a breakdown.

Start free check →

PDF, JPG or PNG · no subscription · full analysis optional

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Proof and authorityIt should be clear who is asking for payment and why.

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Fees and breakdownsAdded charges should be explained before you decide what to do.

Start free

Free first check

Upload your debt letter, collection letter or payment demand. You will receive a first assessment of whether further review may be useful.

Choose file

PDF, JPG or PNG · max. 8 MB

🔒 Your document is processed securely for analysis and is not shared with third parties.

No subscription Secure payment via Stripe Result by email

✓ Proof check ✓ Fee review ✓ Creditor clarity ✓ Response draft ✓ One-off £49

After first check

Full analysis + response draft

We review the document for possible points worth checking and prepare a practical response draft. You stay in control and decide what to do next.

Review of the amount claimed and added fees
Check whether proof or authority appears unclear
Assessment of possible warning signs
Clear next steps in plain English
Ready-to-send response draft
Result by email

£49 one-off · no subscription

Start with free check →

🔒 Secure payment via Stripe — card details are never stored

If the analysis is incomplete: money back.

How it works

Three steps to clarity

Upload your letter

Upload your debt letter, collection letter or payment demand.

Get a free first check

See whether the claim may contain points worth reviewing.

Optional full analysis

If you want more detail, get the full analysis plus a ready-to-send response draft.

What we check

Common debt-letter issues

Proof of debt

Does the document clearly explain what the claim is based on?

Added fees

Are collection charges, admin fees or interest clearly explained?

Authority to collect

Is it clear that the sender is entitled to collect or act on the claim?

Is this for you?

Use this if

✓You received a debt letter, collection letter or payment demand

✓You are unsure whether the amount is right

✓You want to know what to ask before paying or responding

Frequently asked questions

Things people usually ask

Is this legal advice? ⌄

No. DoIPayThat provides informational document analysis and response drafts. It does not provide legal advice or legal representation.

Do I have to buy the full analysis? ⌄

No. The free first check is free. The full analysis is optional and is only useful if you want a more detailed review and response draft.

Will this tell me not to pay? ⌄

No. The review helps you understand what may need checking. It does not guarantee that a claim is wrong or that payment is unnecessary.

What happens to my document? ⌄

Your document is processed for the purpose of the review. It is not shared with third parties for marketing.

Check before you pay

Debt letter received? Start with a free first check.

Free check →

PDF, JPG or PNG · no subscription · full analysis optional