To find other sources of free advice visit MoneyHelper. It’s here to listen and give free, impartial, trusted guidance. Based around you and backed by government.
As Insolvency Practitioners our role is to help those in debt.
Get debt help
Get debt help
Natalie McClean
19:37 26 Jan 24
J3 debt solutions have been amazing helping me with the process of going through an IVA dan was absolutely great going through my application he even made the situation fun and stress free and made... me laugh even though I was so stressed he totally put my mind at ease. Everyones been amazing answering my questions and keeping me up to date with the process. sarah was fabulous at the end finalising and going through all the information with me. Everyone put my mind at ease and made the process very quick and easy I am definitely going to be more comfortable with my finances going forward and hopefully stress free! . I would highly recommend to anyone who's struggling!! Just don't Don't struggle and have sleepless nights get in touch with j3 debt solutions! everyone involved in my case were lovely and they make the process so easy they are so professional and have no judgementsread more
Marcus Shury
15:24 26 Jan 24
Really can’t recommend this company enough they make you feel so comfortable and calm right from the beginning and helped me with getting my life back on track , thank you guys.
Katrina Poole
20:54 25 Jan 24
J3 DSLThank you so much.The care team. Wow! Did they ever!Calm and caring. Professional yet warm and understanding.You guys have made me feel so understood. Helped me when I felt lost. Just... wow!!!!!No judgement whatsoever. Just understanding of each individual and what they have lost and are going through.You guys are superstars. Be proud to go home knowing you've helped someone gain a good night's sleep.Thank you, thank you, thank you.Tell your boss to give you a bonus. I sure wish I could.Laura and all. You are 😇 xxxxread more
kevin brown
11:40 25 Jan 24
I got into debt trouble, and gave j3 a call! There advisors were non judgemental, compassionate and professional. They arranged a IVA proposal for me, arranged a meeting of creditors. And my IVA was... accepted! All within a 3 week timescale.They have taken a weight of my shoulders. And put me back on my feet.I recommend them 💯%Thank you.read more
Megan Hatton
14:54 20 Jan 24
After speaking to the team at J3 I had my first good nights sleep in years. Each staff member is so supportive and kind, and will answer any questions you have. This has been life changing for me and... I’m so glad I contacted this company. Thanks especially to Terri, Pam, Alex, and Joel who have dealt with all of my questions and queries so far!read more
David Riding
09:54 20 Jan 24
The whole process was very smooth and stress free also they have liaised with the HMRC to change my tax code which they did so on the same day and I want to thank you all for all your effort and hard... workread more
STK- GRUMPY GAMER
20:21 16 Jan 24
J3 debt solutions really helped me get back on track with my bills and life, I can't thank them enough.
Joanne Bird
19:32 15 Jan 24
I just wanted to say a huge big thank you to everyone at J3 Debt Solutions Ltd, I had just lost my father unexpectedly and my finances spiralled at of control, I was stressing so much about how I... was going to pay it that I took the plunge and called J3 Debt Solutions I thought they would judge me but wow they were fantastic all of them, they helped me pick the right solution for me, they were all lovely, and now my finances are now under control, I would highly recommend these wonderful people if you need help.read more
Siobhan O'Neill
19:31 15 Jan 24
I would highly recommend this company. They go above and beyond to help people. The best customer service. They become part of your personal journey and make everything seem so easy. They give real... peace of mind and help you every step of the way to ensure you feel happy and confident you are getting the best outcome for you. Every detail is explained. Even if you ask a million questions they answer them all.read more
Phil Hageman
18:39 15 Jan 24
I contacted j3 debt solutions as did not know how to sort my debts. They were getting bigger and were out of hand . J3 made me feel at ease right from the first phone call . After a little bit of to... and throwing. Today my IVA was confirmed. I can now relax knowing I just have the one payment a month . And don’t have to worry about a knock at the door or opening my post . If you’re struggling give them a call they are fantastic. Thank you J3read more
Bobbie Summers
11:02 08 Jan 24
I spoke with a lady called laura who couldn’t have done more to help me and seeing as I struggle with severe mental health issues I was very panicked and worried. Laura done the upmost to help make... sure that things were being dealt with asap and properly and has managed to finally get to the bottom of a massive issue I honestly don’t know what I would have done without her help she is a credit to you! Thankyou againread more
paul Hucklesby
14:30 06 Nov 23
A remarkable company, so understanding . I suffer with mental health problems and they were so helpful, they listened to what I had to say and steered me to the right product even if it ment me... going to a different place. I'm so glad I took that first step. If you have money problems give them a call, do not sit and worry about them.read more
Emma Edwards
16:34 27 Oct 23
Extremely helpful, reassuring and professional. Would definitely recommend to anyone needing help with creditors.
Lucy Collier
14:18 16 Oct 23
Honestly helped me so much they sorted everything for me and now the pressure is off.
Owen Gangster
17:34 07 Sep 23
Absolutely brilliant rang up for advice and the help and support I received to finely get some help I wish I rang up sooner the relief I have now so happy thank you to everyone that I have spoken to... you guys are brilliantread more
Blair Grierson
09:42 09 Aug 23
Just wanna say thanxs for ur help, Yous made things really easy to understand and explained everything bit by bit, great services
Thomas Rumble
11:25 29 Mar 23
Great help, fast and responsive, all the team where friendly and helpful and explained the process. If your struggling with debts then defo ask them for help. Alot of stress has been taking off my... mind thanks to themread more
William
13:04 23 Mar 23
Discussed with me all my options and made sure I was happy with everything before proceeding
Muhammad Mirza
03:41 22 Mar 23
I was quite upset and worried about the debt situation from the last six months I was uncomfortable it seems like someone will knock my door and will arrest me I was so scared of driving it seems... like I have lost my confidence but from the day I been spoken to the J3 Debt Solutions in Glasgow City I am now feeling relaxed about my debtAnd all the of staff are very friendly and helpful what I observed is they are the genuine people who helps the people like me would love to say GOD BLESS AND THANK YOU SO MUCH FOR YOUR HELP.read more
Kimberley Reid
14:23 09 Mar 23
Absolutely amazing experience with J3! Non judgmental and helpful with everything made sure I understood everything and was happy with every step of the way. Would highly recommend to anyone looking... for some support to deal with debt.read more
Charliene Hatten
17:36 31 Jan 23
would just like to thank the team memebers alex amber darren and christian that help me today its a big weight knowing i have this all sorted it so much appreciated at affordble repayments and... still being able to live comfortably i cant thank you enough higly reccommendread more
david little
19:44 27 Jan 23
Well, what can I say about the service I have received from this company? Amazing!! Thank you.I've been struggling with the worry of debt for so many months, worried if I was going to be able to... sustain the payments I had to make. Really, I can't describe the stress I was in .Initially,I was forwarded to this company after receiving a call from an Asian call centre. It was one of the best calls I've ever took, so thank you to that person for putting me in touch with J3 Debt Solutions .My final phone call with the expert there only took thirty minutes to get everything finalized. I was able to have my finances and circumstances explained to him well and I was very, very happy with the final outcome.I am so,so happy with this company , they have offered me a path out of the darkness of money and debt worry. I can highly recommend them to anyone out there who is in distress and worried about their debt situation.THANK YOU )read more
August StJude
20:54 19 Jan 23
At best a business that exists to profit from debt management, at worst coercive and dangerous.Searched on google for stepchange and got J3 instead.Absolutely lovely on the phone, slightly pushy... towards options that make J3 money but that's a given.J3 Explained that i would not be granted a trust deed and was given the 'you need to speak to my manager' treatment and told that an IVA was the solution. My phone then died.Since then my emails have been totally ignored despite a promise to be there every step of the way.Please be aware that J3 will give your contact details to everyone they contact on your behalf - This means that if like me you are left high-and-dry half way through the process you creditors will bully you 100 times worse than before.I have been forced to change my phone number that i have had for 18 years and buy flowers for my friend who lets me use her address ( i am homeless because of debt ) because she is getting so many letters. Nationwide have withdrawn my overdraft as they now know im in financial difficulty, so im actually WORSE OFF since contacting J3.ONLY J3 had that address, so they led the wolves to my friends door.Probably a great service for some people, but just remember its a business and they make money from your suffering.read more
Hattie Parker
10:33 13 Oct 22
Amazing staff put you at ease - no judgement no shame - ten out of ten service
MARKYBOY1983 1
18:05 24 May 22
Just want to thank the team for everything, I lost my job and thought I had no where to turn and felt so low it was unreal, my debts where getting out of control due to my gambling. but thanks to a... phone call with Alex he listened to my problems and took some details I was called the next day by him to see how I was and then got things moving for me then I spoke to Terri who was an absolute gem with me and helped me throughout my application.I’m so glad I made that call I feel like my life might be heading in the right direction, Thanks again for everything I don’t know what I would have done without you 👍🏻read more
amanda taylor
11:25 23 Apr 22
Very understanding and helped massively, made everything clear so I knew exactly what was happening
Ellaine Smith
10:47 02 Apr 22
Absolutely fantastic helped me so much just feel as if there’s a huge weight been lifted of my shoulders
Becki Lee
20:24 15 Feb 22
Absolutely amazing company from start to finish! Always there for when problems arise or for any questions no matter what! Helped me out so much! Lovely team! All so caring! Definitely recommend... 😊read more
Stacey Lee Dow
11:35 20 Jan 22
J3 are absolutely fantastic! They have helped me so much and were so understanding and didn't judge me. I highlly recommend using them if you are in debt. I feel my stress levels have significantly... dropped thanks to their help.read more
sonia shokar
19:56 16 Jan 22
I could not recommend this service enough. A week ago I was living with my heart in my mouth..with no where to turn. J3 have reassured me and have got the ball rolling. Thank you so much for being so... efficient and non judgemental. I can actually see a light at the end of the tunnel now!read more
kelsey macfadyen
12:43 29 Nov 21
I couldn’t be happier, I didn’t know this kind of help was out there. I have a weight lifted off my shoulders. Thank you all so much, genuine and friendly the whole time. Also thank you for putting... my worries at ease about how the process worked and still happy to help if I need anything now.read more
Nicola Dunsmore
18:27 09 Nov 21
Very professional and compassionate service. From the team members I had contact with they have been nothing but courteous and helpful and made the experience easy and stress free. Even with... complications from my side they stuck with it to come to an arrangement. They make it easy and stress free and I could not recommend more. Especially Nick who helped the most throughout. Any time I had a query he called back or text back to assure me or give me answers. Brilliant team all of them.read more
Tracy Walker
18:30 08 Nov 21
I had approached another Company and spent hours on the phone. What they wanted me to upload I had but their app didn't work. After trying to get them to call me back I gave up and contacted J3. I... can honestly say the speed these people worked at was incredible. Within days they had three way conversations with the people I owed money to and everything was sorted with no fuss.If you are looking for professional help, call these people, they have made my life so much easier and I am forever thankful to them. Brilliant friendly service, thank you J3read more
Deb M
17:56 27 Oct 21
Can’t thank J3 enough for all their help. Can finally relax now and not worry about getting letters, emails and phone calls from debtors. Everyone I’ve spoke to from J3 have been so easy to talk to... and helpful. Best thing I ever done, wish I done it sooner. Thank you againread more
Claire Athey
17:12 25 Oct 21
I have just dealt with a worrying period off time financially in my life. I spoke to this wonderful company J3debt solutions ltd and they put my mind at ease from the start. They couldn’t be more... helpful if they tried. Can’t thank them enough for all they have done.read more
craig fairer
18:48 17 Jun 21
After getting in touch with J3 they took all my worries away, The team are super fantastic they actually care for your wellbeing and have a perfect understanding. I was worried before I called but I... couldn't have had a better team dealing with me. They called me at every step of the way and even went out of there way to contact to make sure I was doing OK.They are by far the best company I went with. I did my research on trust pilot and the reviews put my mind at ease.I honestly can't thank this company enough for what they have done for me over the last 1 week. Your service was amazing you guys are amazing and I really can't thank you enough... i'm at the start of getting my life back on track debt free.Thank you j3 absolute legends 💖read more
Paul Walker
19:08 15 Jun 21
The team offer a great service. They were on the ball and set my mind at ease with their professionalism and friendly manner. The whole team made sure that I was well informed and comfortable with... the process and felt in charge. They've put me in a far more manageable position than I was in and they did it speedily, without fuss and in a nice way. It's a weight off my mind.read more
We have plenty of useful resources that can really help you understand debt
View Resources
We also offer support for businesses
We help businesses when they are in debt or when they are facing serious cashflow problems.
Introducing our new J3 Debt Help Booster
Your online digital debt help tool. Our user-friendly online debt service is designed to make getting the support you need available to you, in a convenient and stress-free manner, just for you.
