Advantis Credit – Stop Debt Collection & Get Affordable Help

Have you received a letter, text, or phone call from Advantis Credit Ltd? If so, you’re likely being chased for a debt — and you’re not alone. Thousands of people across the UK are contacted by Advantis every day regarding unpaid balances, often linked to government departments, utilities, or banking institutions.

We understand how stressful this can feel. But the good news is: you have rights, and there are proven ways to stop the pressure, freeze interest, and regain control of your finances.

Who Are Advantis Credit?

Advantis Credit is a UK-based debt collection agency that works on behalf of major clients including:

• HMRC (tax and benefit overpayments)
• The Department for Work and Pensions (DWP)
• Utility providers (gas, electric, water)
• Councils and local authorities
• Banks and credit card companies

They are authorised to collect payments but do not have the same powers as bailiffs. If they’ve contacted you, it means they believe you owe a debt — but that doesn’t mean you have to pay everything immediately or alone.

What Happens If I Ignore Advantis?

If you ignore their contact, Advantis may continue to chase you with:

• Repeated letters or phone calls
• Threats of legal action or referral to enforcement
• Possible escalation to a County Court Judgment (CCJ) if the debt is not addressed

It’s important not to panic. You have legal rights and there are ways to stop debt collection action before it escalates — including IVAs, DMPs, and DROs depending on your circumstances.

Your Rights When Dealing with Advantis

UK law protects you from unfair treatment. You can:

• Ask for the debt to be proven in writing
• Request that all communication be by letter (not phone)
• Dispute the debt if it’s incorrect or already paid
• Include the debt in a repayment plan if you're struggling financially

If you feel harassed or intimidated, you have the right to complain. But in most cases, starting a formal debt solution can make the contact stop altogether.

Can I Include Advantis Debts in a Repayment Plan?

Yes, in most cases Advantis debts can be included in a formal debt solution, such as:

• Individual Voluntary Arrangement (IVA) – reduce payments, write off unaffordable debt after 5 years
• Debt Management Plan (DMP) – flexible repayments based on what you can afford
• Debt Relief Order (DRO) – ideal for low-income individuals with debts under £30,000

These plans can stop creditor contact, freeze interest, and help you become debt free — often faster than going it alone.

Have You Been Contacted About HMRC or Tax Debt?

Many people contacted by Advantis are being chased for HMRC tax debts or benefit overpayments. These can be complicated and difficult to repay all at once — especially during a cost-of-living crisis.

We regularly help people deal with tax-related debt through a structured, affordable repayment plan that stops HMRC enforcement and prevents further letters.

Other Debt Collectors We Help With

Advantis is just one of many UK collection agencies. We also help with:

• Lowell Financial
• Moriarty Law
• PRA Group
• Moorcroft
• Capquest

Take Back Control Today

You don’t need to deal with Advantis alone. Our small, UK-based team supports people in your position every day. We’ll explain your options clearly and without judgment — and if a plan is right for you, we’ll help you get started quickly.

This site does not provide financial advice, but we do help UK residents explore trusted ways to reduce debt and stop collection action.