J3 Debt Solutions: who they are and what to do if your IVA is with them
Have an IVA with J3 Debt Solutions, or a letter from them? Here is who they are, what to do if you are struggling, and where to go if something goes wrong.
Applies to: England, Wales & Northern Ireland (trust deeds in Scotland)
What to do now
- If you have an IVA with them and are struggling, contact them before you miss a payment.
- Check the alternatives to an IVA before agreeing to one.
- Free, impartial advice is available from charities such as StepChange and National Debtline.
At a glance
| What it does | IVA, Protected Trust Deed, Sequestration, Debt Arrangement Scheme (DAS) |
|---|---|
| Company | J3 Debt Solutions Ltd (Companies House no. SC612868) |
| Based in | Glasgow (registered office) |
| Group | Companies House lists Balbec Europe SCA SICAV RAIF Sub-Fund IGCF V (Luxembourg) as its person with significant control, notified 6 September 2023. |
| Insolvency practitioners | Its website says its named insolvency practitioner is authorised to act as an insolvency practitioner in the UK by the Institute of Chartered Accountants of Scotland (ICAS). |
| Website | www.j3debt.co.uk |
Who J3 Debt Solutions are
J3 Debt Solutions is a firm of licensed insolvency practitioners registered in Glasgow. It provides IVAs in England, Wales and Northern Ireland, partly under the trading style Debt Solution Advisor. In Scotland it offers trust deeds, sequestration and the Debt Arrangement Scheme. Insolvency Service statistics list it among the six largest IVA providers in 2025, with 4,224 new IVAs (5.9%).
If you already have an IVA with J3 Debt Solutions
- Struggling with a payment? Tell your supervisor straight away. Most IVAs allow a payment break or a reduced payment if your circumstances change. IVA payment breaks.
- Missed payments? Missing payments can lead to your IVA failing. Act before it gets to that. Missed an IVA payment.
- Annual review coming up? You will be asked about your income and spending each year. What happens at an annual review.
- Money coming in? A windfall, inheritance or pay rise may have to go into the IVA. IVA windfalls.
- Thinking of ending it? There are routes out, including switching to another solution. Switching from an IVA.
How to complain about J3 Debt Solutions
Its complaints policy acknowledges complaints within 5 business days, aims to respond within 4 weeks and gives a final response within 8 weeks at most. Complaints go to the Complaint Handler by phone, email or post. You can escalate to the Insolvency Service if you are unhappy with the final response, or at any stage.
If you are unhappy with how an insolvency practitioner has acted, you can complain to the Insolvency Service Complaints Gateway, which passes complaints to the practitioner’s licensing body.
If you are thinking about an IVA
An IVA is a legally binding agreement to pay part of what you owe over usually five or six years. It suits some people and not others, and the provider is paid from your payments. Before you agree to one with any firm, read how IVA companies make money and compare the alternatives to an IVA. Free advice is always available.
Independent page. My Debt Cleared is not connected with J3 Debt Solutions. We do not review or rate firms. Details were checked against the firm’s own website and official records on 21 October 2026.
You never have to pay for debt advice. MoneyHelper (government-backed), StepChange, National Debtline and Citizens Advice all give free, confidential advice with no obligation.
Common questions
Is J3 Debt Solutions a debt charity?
No. J3 Debt Solutions is a commercial firm. Free debt advice is available from charities such as StepChange and National Debtline.
What should I do if I can't pay my J3 Debt Solutions IVA?
Contact J3 Debt Solutions straight away and ask about a payment break or a reduced payment. Missing payments without telling them can lead to the IVA failing.
How do I complain about J3 Debt Solutions?
Use J3 Debt Solutions's own complaints procedure first. If you are unhappy with how an insolvency practitioner acted, you can complain to the Insolvency Service Complaints Gateway.