When debt becomes unmanageable, call the debt adjusters
By Mr Bankruptcy
29th October 2025
Millions of people are facing financial hardship due to rising living costs, unexpected major expenses, or changes in their employment. In this sort of environment, bills and debts begin to feel overwhelming.
Fortunately, there’s a team of professional you can call on, who are qualified and ready to help you navigate through financial complexities, working on your behalf to make debt more manageable again.
These are the debt adjustors.
Debt adjustor versus debt advisor
Adjustor v advisor sounds a bit adversarial, but they are both there to help you. However, there are some differences in what services teach one offers, as defined in the Financial Conduct Authority Handbook.
A debt advisor focuses on giving guidance and support to people struggling with debt, helping them to assess their situation before explaining their options. They offer advice on budgeting and money management so that people in serious debt can make their own informed decisions. Many debt charities offer this service. Giving advice to a borrower about the liquidation of a debt due under a credit agreement is an FCA regulated activity.
On the other hand, a debt adjuster is more hands-on. They are a financial professional who works with you to assess your financial situation like an advisor and advise on a realistic repayment plan, but they can also negotiate with creditors on your behalf to discharge a debt. Unlike debt collectors, who represent the creditor, debt adjusters are very much working on your side.
How can a debt adjustor help you?
There are a number of ways in which a debt adjustor can help you, once they have assessed your financial situation, reviewed your income, expenses, and debts and they understand your position.
- Negotiating on your behalf with creditors for a lower interest rate, an extension to a repayment period, a freeze on charges until you’re back on your feet, or even a waiver on charges. Their aim is to negotiate a full and final settlement of your debt obligations to the satisfaction of both sides.
- Setting up a debt management plan (DMP) where you make one affordable monthly payment that’s distributed among your creditors. This is an informal arrangement which doesn’t involve the courts.
- Referring you to an insolvency practitioner for formal options such as individual voluntary arrangements (IVA), debt relief orders (DRO) or bankruptcy, which I’ve talked about here.
What an adjustor can’t do, though, is impose a repayment plan on a creditor or write off debts without legal proceedings. And they can only offer formal insolvency services if they are also licensed insolvency practitioners.
Choosing the right support
If you’re considering working with a debt adjustor, ensure they are reputable. In the UK, we operate under the regulation of the Financial Conduct Authority (FCA), which ensures ethical practice and transparency. Always check credentials and avoid services that charge high upfront fees or make unrealistic promises.
Long term peace of mind
Debt adjustors provide an important service in these difficult times; they are proactive, client-focused, and offer greater flexibility than formal insolvency routes. They can be especially helpful if you want to avoid court proceedings.
Their aim isn’t just a quick fix, easing immediate financial problems. They help both individuals and businesses to avoid insolvency and regain lasting financial stability.
And it’s not just about the numbers. Debt adjustors can give you emotional reassurance, because living under the burden of unmanageable debt takes a toll on your mental wellbeing and on the people around you.
Asking for help is a sign of strength. If you’re struggling with debt, reaching out to a qualified debt professional can be the first step towards your financial recovery.
James Rosa Associates
James Rosa associates specialise in providing tailored financial reconstruction with a bespoke and practical approach to both individuals and businesses as well as civil and commercial mediation services.
We work together with different professions, drawing upon the expertise of specialists to build a uniquely tailored solution for our clients’ needs, ensuring that they receive the highest level of service right across the board. Under the same roof we offer debt advice (or counselling) support as well as debt adjusting.
With our supportive, non-judgemental approach, we also offer a full range of advice and professional services to individuals and business owners/directors facing unmanageable debt, who are actively looking for a solution. We can also help anyone involved in a civil or commercial dispute.
Our range of services include:
For your further peace of mind, we are authorised and regulated by the Financial Conduct Authority (FRN665061) to produce bespoke solutions that work in the best interests of our clients, who are always at the centre of everything we do.
Find out if you qualify for a free consultation
We try to help as many people as we can. If you’re ready to face an unmanageable debt, contact James Rosa Associates, ring 0845 6807217 or email enquiries@jamesrosa.co.uk. You may qualify for one of our limited number of free consultations.
Please be advised that all views expressed in these posts are those of the author and not of James Rosa Associates ltd.