Credit Counselling Editing and Proofreading Services

People arrive at debt advice having already read a great deal of frightening correspondence, and often having avoided reading some of it. By the time they reach you, their capacity to absorb written information is at its lowest, and yet the decisions in front of them — a debt management plan, an insolvency route, a negotiated settlement — have consequences lasting years. Writing for someone in that state is a distinct skill, and it is not the same as writing simply. It means removing every sentence that adds anxiety without adding information.

We edit what debt advice agencies and credit counselling services produce — client-facing advice letters and options summaries, income and expenditure guidance and budget explanations, debt management plan documentation, letters to creditors proposing arrangements, token payment and hold requests, insolvency option explanations, statements of affairs and supporting narratives, financial statement submissions to creditors, self-help guides and factsheets, website content and eligibility checkers, adviser guidance notes and training material, funding applications and impact reports for charitable services, and quality assurance frameworks for casework. Our editors check that every option is described with its real disadvantages, and that the reading level of client material matches the audience rather than the sector.

The options letter is the document that carries the whole intervention, because it is what the client takes away and rereads at home, possibly with a partner or a family member who was not in the appointment. Most are structured around the solutions the agency offers, listed in order of formality, with the drawbacks softened. We rewrite them so each option states plainly what it costs, how long it lasts, what happens to the client's credit file and for how long, what it means for a home, a vehicle or a job that requires a clean record, and who will be told. We put the option the adviser recommends first with the reason attached, rather than presenting a neutral menu to someone who came for guidance. And we include the sentence most letters omit: what will happen if the client does nothing, which is the option they are most likely to take by default and the one nobody has described to them.

Everything you send is treated in strict confidence, including client casework and creditor correspondence. We are editors rather than debt advisers and offer no view on the suitability of any option — advice must come from your qualified advisers and comply with your regulatory permissions. What we can do is make the writing calm, plain and genuinely readable by someone who is frightened.