Money Wellness

Debt collection

If you miss debt repayments, your creditors are likely to start taking steps to collect what you owe.

The debt collection process generally begins with missed payment reminders and can end up in court.

Wherever stage you’re at, it’s a good idea to get free debt advice as soon as possible. We’ll be happy to help with this either online or over the phone.

You’ll also find lots of guides below providing information on: 

  • the different stages of debt collection
  • what to expect during the debt collection process
  • how to respond to debt collection activity
  • your rights as a debtor 
woman on phone to an adviser

Debt collection guides

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Average Customer Rating:
4.9/5
Independent Service Rating based on 10233 verified reviews. Read all reviews
Helpful
Very helpful Understanding Professional
Trusted Customer - 15 Jun 2025
Fantastic Debt Service
Very patient and understanding. The communication was smooth without no delays and was put through to an advisor within seconds.
Geminae - 15 Jun 2025
Friendly team
Super fast process. I was very nervous about going into a DRO, but the money wellness team made me feel really at ease. It was super fast paced from when the application was submitted within 2 days I had an outcome, would highly recommend this company.
Trusted Customer - 14 Jun 2025
"A Second Chance When I Needed It Most "Grateful for the Support from Money
I don’t even know where to begin. I was going through an incredibly difficult time. overwhelmed by stress, facing the threat of eviction, and on the verge of becoming homeless. The uncertainty of not knowing what to do or where to turn consumed me. I lost sleep, my appetite, and a significant amount of weight. The thought of becoming homeless, something I had never experienced before, was terrifying. I struggled to control my thoughts and felt completely hopeless. Then I came across Money Wellness, and everything began to change. From the very beginning, they guided me step by step through the process. They took the time to explain everything clearly and ensured I fully understood my options. They remained in regular contact with me, offering consistent support and making sure I received the help I needed. I am truly grateful for the support I received from Money Wellness. Words can’t fully express how thankful I am. I’d especially like to thank Mr. Neil, who has been exceptional throughout this journey. Thanks to their help, I’m now able to remain in my home, and I am determined to ensure that I never face such a situation again. Money Wellness gave me a second chance when I thought all hope was lost. Thank you from the bottom of my heart.
Trusted Customer - 14 Jun 2025
Excellent
Brilliant great thank you
Derek - 14 Jun 2025
😊
Harriet - 14 Jun 2025
Great service
Made me feel at ease and made the process as easy for me as possible. Clear instructions and great support. Would highly recommend to anyone struggling and feeling stuck . Reach out .
Trusted Customer - 14 Jun 2025
Amazing changed our lives
I can’t believe what you have done for us thankyou so much x
Trusted Customer - 14 Jun 2025
Fantastic
Excellent! When I explained that I was disabled and could only do the phone and email, they assigned the amazing Ryan. Who helped me every step of the way. His understanding and kindness helped so much. He is a credit to his company.
Trusted Customer - 14 Jun 2025
Very Helpful and Friendly
They are being very helpful in ways I could be most thankful for everything you are doing for me to help me sort out the pain off my debts. I was so stressed until I spoke to u guys and the relief I have gotten now is unbelievable and am so happy u are able to help me.
Josephine - 14 Jun 2025
They was outstanding and very helpful and made everything I needed to know very clear they took all the stress away
Trusted Customer - 14 Jun 2025
Overall good but some improvement would help
Excellent.the only downside was the automated answering machine almost impossible to get through to a human thereby making it very frustrating
Trusted Customer - 14 Jun 2025
Trusted Customer - 13 Jun 2025
Brilliant service
I was in a really bad situation and they helped me a lot, the whole team was brilliant from start to finish.
Trusted Customer - 13 Jun 2025
Very professional and pleasant service
I was very impressed with the service and was surprised at how efficiently my finance was sorted out.
Trusted Customer - 13 Jun 2025
Excellent service
Very understanding and helpful
Allan - 13 Jun 2025
Mandy
Very understanding and great staff who are so patient
Trusted Customer - 13 Jun 2025
Very Helpfully, understanding. Robin listened and explained things. Went through every step and told me things that I didn't know and also checked to see what other benefits and help. Definitely recommend
Trusted Customer - 13 Jun 2025
They were really kind and explained things in a way I could understand with my neuro problems
Trusted Customer - 13 Jun 2025
Helped me so much to have a fresh start
Mary - 13 Jun 2025