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As Insolvency Practitioners our role is to help those in debt.
Get debt help
Get debt help
*Please note, entering into a debt solution can affect your credit rating for at least 72 months, fees may be payable if ongoing services are provided. A follow up call will be required to confirm details outlined in your enquiry, at which point we will be able to discuss which solutions you qualify for.
Our role is to find a workable debt solution catered around your situation and there are more options than you think.
The role we perform takes many forms and those we help include individuals who have loans, credit cards and other debts (such as Council Tax arrears) as much as it does businesses who are suffering cashflow or debt problems, including monies owed to HM Revenue & Customs.

Thank 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 😇 xxxx
They have taken a weight of my shoulders. And put me back on my feet.
I recommend them 💯%
Thank you.
And 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.
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 )
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.
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 👍🏻
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 J3
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 💖
We also offer support for businesses
We help businesses when they are in debt or when they are facing serious cashflow problems.
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.
Phoenix Crescent,
Strathclyde Business Park,
ML4 3NJ
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.
J3 Debt Solutions Limited is registered in Scotland, registered company address: 144 No. 1 West Regent Street, Glasgow, Scotland, G2 1RW, company registration number SC612868, Information Commissioner’s Office registration number ZA474414. J3 Debt Solutions Limited is a firm of Licenced Insolvency Practitioners. Jamie Carmichael is authorised to act as an Insolvency Practitioner in the UK by the Institute of Chartered Accountants of Scotland. Our Professional Indemnity Insurer is CNA insurance Company Limited, 13th Floor, 20 Fenchurch Street, London, EC3M 3BY and our Professional Indemnity Insurance policy number is 10321330. The territorial coverage is worldwide. The solutions on this page are only applicable if you reside in Scotland. We will only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for one of our insolvency solutions, therefore, all advice is given in reasonable contemplation of an insolvency solution.
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