Debt letter guides

Plain-language explanations for the letters and situations people most often ask about. Free to read — no upload needed.

What a debt collection letter means

Before you pay, call, or ignore — understand what you're dealing with.

Received a Cabot Financial letter?

What it means and how to understand the claim.

Received a PRA Group letter?

Understanding a letter from a debt purchaser.

Received a Lowell letter?

What a Lowell Financial letter is asking for.

Cabot Financial — explained

More on letters from Cabot Financial.

This debt isn't mine

What to do if you don't recognise the debt.

Your debt was sold

Your rights when a debt is sold to a new company.

Is the debt too old to enforce?

Understanding statute-barred debt in the UK.

Received a default notice?

What a default notice means and your options.

Asking for proof of the debt

How a CCA request works and when to use one.

Worried about a CCJ?

Understanding county court judgments.

A debt collector keeps calling

Your rights when a collector contacts you.

Should I ignore the letter?

Why ignoring is rarely the best strategy.

Your letter not listed here?

Upload your debt collection letter and get a plain-language overview of what it's claiming — usually by the next working day. Free first overview.

Check my letter

DoIPayThat provides plain-language document overviews and response drafts. Not legal advice. Not legal representation. © 2026 DoIPayThat