Upload debt, creditor, solicitor, court-related or other supported correspondence and get a structured, plain-English explanation of what the document appears to mean, the important information identified within it and what may need your attention.
LetterChekr™ provides automated informational analysis. It is designed to help explain correspondence and is not a substitute for regulated legal or financial advice.
Complete your details below if you would like further support understanding the correspondence and the wider situation around it.
You shouldn't need to understand legal, creditor or debt-industry terminology before you can understand the correspondence in front of you.
LetterChekr™ creates a clearer starting point. Upload the document you have received, review the information identified from it and use that understanding to consider what may need your attention next.
Upload a supported PDF, photograph or scan of the correspondence you have received. LetterChekr™ starts with the actual document rather than asking you to work out what type of problem you have first.
LetterChekr™ analyses the correspondence and presents key information in a structured format, including what the document appears to be, important details identified within it and a plain-English explanation.
Review the apparent priority, important information and general suggested next steps. Where the situation may require further support, you can then consider whether professional help is appropriate.
Start with the document you actually have — not hours of searching the internet for what it might mean.
LetterChekr™ provides automated informational analysis based on the uploaded document. It does not determine legal enforceability, provide regulated debt advice or replace advice from an appropriately authorised or qualified professional where that is required.
LetterChekr™ is designed to identify and organise useful information from the correspondence you upload, helping turn a difficult-looking document into something easier to understand.
LetterChekr™ looks for the organisation or sender identified in the uploaded correspondence.
The analysis identifies the apparent type and purpose of the correspondence from the information available.
Where clearly shown, LetterChekr™ can identify an amount referred to within the document.
Account, claim or other reference information can be highlighted where it is identified in the correspondence.
Structured information extracted from the correspondence you upload.
Dates or apparent deadlines identified within the uploaded document can be highlighted for your attention.
The report assigns an apparent Low, Medium or High priority based on the information identified in the document.
Difficult wording is turned into a structured plain-English explanation to make the correspondence easier to understand.
LetterChekr™ provides general suggested next-step information based on the apparent contents of the document.
A letter can contain several pieces of information that matter for different reasons. LetterChekr™ brings those details together into a structured report so you can see what appears to have been sent, what information has been identified and what may deserve your attention.
The aim isn't to tell you what decision to make. It's to help you understand the information in front of you.
The importance of a letter often depends on where it sits within the wider creditor, court or enforcement process.
Some correspondence may simply be requesting payment. Other documents may indicate that a matter has progressed further. Understanding the apparent type of correspondence and the stage it relates to can help you recognise what deserves closer attention.
Early contact about an amount that appears to remain unpaid.
Correspondence may become more formal as missed payments continue.
The creditor or another organisation may begin pursuing payment.
Correspondence may indicate that further action is being considered.
A claim or judgment can introduce formal court procedures and deadlines.
Further steps may become available after certain court outcomes.
That is why identifying the document matters. A payment reminder is not the same as a court document — and they should not be treated as though they are.
Payment requests, arrears correspondence, collection activity and other communications about an outstanding debt.
Documents relating to missed payments, arrears, default and the developing position between a borrower and creditor.
More formal correspondence that may indicate a creditor is considering or preparing for further action.
Court claims, judgments and related correspondence can involve procedures and dates that deserve careful attention.
Enforcement correspondence can represent a different stage from ordinary creditor or debt collection contact.
Company debt, HMRC demands and formal insolvency-related correspondence may raise wider questions for a business and its directors.
LetterChekr™ helps provide a clearer starting point by identifying what the correspondence appears to be and bringing important information into one structured explanation.
Your LetterChekr™ result brings the key information identified from your document together in one structured report.
Instead of presenting another block of difficult terminology, the report separates the apparent document type, priority, important details, explanation and general next-step information into clear sections.
Illustrative preview of how information may be organised in your LetterChekr™ result.
The report explains the information identified within the document that contributed to its apparent priority.
LetterChekr™ provides a structured explanation of the apparent purpose of the correspondence and the information it contains.
The report provides general context around the correspondence, helping you understand why the information identified may be relevant to the wider situation.
This is an illustrative representation of the type of information contained in a LetterChekr™ result. It is not an analysis of a real document and does not represent a particular creditor, debt, court matter or outcome.
The aim isn't to tell you what decision to make. It's to help you understand the information in front of you before deciding what may need to happen next.
LetterChekr™ is designed to make difficult correspondence easier to understand. It can identify, organise and explain information from an uploaded document, but it does not replace the professional judgment required for legal, regulated debt or formal insolvency matters.
Turning correspondence into clearer, structured information.
Highlight information such as the apparent sender, document type, amount, reference and dates where identified.
Turn complex correspondence into a more structured plain-English explanation.
Bring dates or apparent deadlines identified within the document to your attention.
Provide a Low, Medium or High priority indication based on the information identified in the uploaded correspondence.
Present general suggested next steps to help you understand what may deserve attention.
Help you decide whether the correspondence may warrant further support or professional input.
Automated analysis has important limits and should be used as a starting point.
A document analysis alone cannot determine whether a debt or claim is legally enforceable in your individual circumstances.
LetterChekr™ does not provide legal advice or replace advice from an appropriately qualified legal professional.
It does not provide regulated debt counselling or recommend which regulated debt solution someone should enter.
Automated document analysis can make mistakes or may not identify every relevant detail contained in a document.
Formal insolvency work and insolvency appointments require appropriately authorised and licensed professionals.
LetterChekr™ cannot guarantee what a creditor, court, HMRC or another organisation will do.
LetterChekr™ can help make information easier to understand. Professional judgment belongs with the appropriately authorised or qualified professional when that expertise is required.
LetterChekr™ helps organise the information contained in correspondence so that the apparent document type, important details, priority and general context are easier to understand.
Where the wider situation requires regulated debt advice, legal advice, formal insolvency work or another specialist service, the relevant issue should be considered by the appropriately authorised or qualified professional.
LetterChekr™ analyses the information available in the document you upload. The quality and completeness of the result can depend on the quality, legibility and completeness of the uploaded document. Important correspondence should not be ignored solely because automated analysis does not identify a particular issue.
LetterChekr™ is designed to give you a clearer place to start — not to make important financial or legal decisions for you.
Understanding the correspondence can reveal that the issue in front of you forms part of a wider financial, creditor or business problem.
A demand for payment, court document, enforcement notice or company debt letter may be one part of a much larger situation. Once the document is clearer, the next step is understanding where it fits.
LetterChekr™ helps you understand the correspondence in front of you. The wider issue may require looking beyond the individual letter.
Correspondence may relate to a wider pattern of unsecured borrowing, missed payments, arrears or creditor contact affecting your personal finances.
Repeated creditor contact or formal correspondence may indicate that a matter has progressed beyond ordinary payment reminders and requires closer attention.
Company correspondence can be part of wider cash-flow pressure, creditor action, HMRC debt or concerns about the company's financial position.
A demand addressed to a director or guarantor may raise separate questions about guaranteed borrowing and potential personal exposure.
Start with the document itself: what it appears to be, who sent it, what important information has been identified and what may need attention.
Where the correspondence forms part of a wider debt, creditor, court or business problem, Stop Your Debt UK can help organise the information and identify the appropriate route for further support.
The letter may be the reason you started looking for help. Understanding the wider situation is what gives that letter context.
Understanding a letter may be enough to give you clarity. Sometimes it also reveals that the wider situation needs further attention.
Stop Your Debt UK provides a structured route from understanding the correspondence to identifying what kind of support may be relevant, including access to appropriately authorised or qualified professionals where their expertise is required.
You receive correspondence that is unclear, concerning or difficult to place in context.
Upload the document for automated informational analysis.
Review the apparent document type, important information, priority and general next-step information.
Where further help is appropriate, the wider situation can be organised and the relevant support route identified.
Where specialist or regulated expertise is required, the issue can be directed to an appropriate professional.
Where a situation requires regulated debt advice, legal advice, formal insolvency work or another specialist service, that work belongs with the appropriately authorised or qualified professional. Stop Your Debt UK helps provide a structured route into that professional network where appropriate.
Where regulated debt counselling or advice on regulated debt solutions is required.
Where legal advice, representation or assessment of legal rights and liabilities is required.
Where formal insolvency advice, appointments or statutory insolvency work is required.
Where the circumstances call for another appropriately qualified or authorised professional service.
Stop Your Debt UK is not positioned as a replacement for every professional involved in a debt, court or insolvency matter. Our role is to help create clarity around the situation, organise relevant information, provide permitted administrative and case coordination support, and help connect the matter with the appropriate professional pathway where required.
If your LetterChekr™ result has raised wider questions about debt, creditor action, court correspondence, a business problem or a personal guarantee, you can speak to us about the situation and the support routes available.
Stop Your Debt UK is not an FCA-authorised debt adviser, solicitor or insolvency practitioner. Where regulated debt advice, legal advice or formal insolvency work is required, this must be provided by an appropriately authorised or qualified professional.
From the types of correspondence you can upload to what happens after an analysis, these are some of the most important things to understand before using LetterChekr™.
LetterChekr™ is designed as an informational starting point. The analysis helps make the correspondence easier to understand, while professional advice remains important where the circumstances require it.
LetterChekr™ is an automated document-analysis tool designed to help explain supported creditor, debt, court-related and other financial correspondence in clearer language.
It can identify information such as the apparent document type, sender, amount, reference, important dates and apparent priority, before presenting a structured plain-English explanation and general next-step information.
You upload a supported PDF or image of the correspondence. LetterChekr™ analyses the information available in that document and produces a structured informational report.
The report is designed to help answer three basic questions: what appears to have been sent, what important information has been identified, and what may deserve attention next.
LetterChekr™ is intended for supported correspondence such as creditor letters, debt collection correspondence, arrears or default communications, formal or pre-action letters, court-related correspondence, enforcement notices, HMRC correspondence and certain business debt documents.
The ability to analyse a document depends on its format, quality, legibility and the information contained within it.
LetterChekr™ can analyse the information visible in uploaded pre-action correspondence and provide an informational explanation of what the document appears to be saying.
Where dates or apparent deadlines are identified, these may be highlighted within the analysis. The tool does not determine the legal merits or enforceability of a claim.
LetterChekr™ can help explain information identified in supported court-related correspondence, including documents that appear to relate to court claims or County Court Judgments.
Court correspondence can involve important procedural steps or time limits. Automated analysis should therefore be treated as a starting point rather than a substitute for appropriate legal or professional assistance where required.
Supported HMRC correspondence can be uploaded for informational analysis. LetterChekr™ may help identify the apparent nature of the correspondence, relevant amounts, references and dates where these are visible in the document.
An analysis does not determine the underlying tax position or replace tax, legal, regulated debt or insolvency advice where any of those services are required.
LetterChekr™ provides an apparent Low, Medium or High priority based on information identified in the uploaded correspondence. It may also highlight dates or apparent deadlines.
This is an informational indication rather than a definitive legal assessment of urgency. Important correspondence should not be ignored solely because an automated analysis assigns a particular priority.
No. LetterChekr™ provides automated informational analysis. It does not provide legal advice or regulated debt advice and does not recommend which regulated debt solution someone should enter.
Where legal advice, regulated debt advice, formal insolvency work or another specialist service is required, that work should be provided by an appropriately authorised or qualified professional.
Check the date against the original document rather than relying only on the automated analysis. If the correspondence appears to involve a deadline or time-sensitive action, avoid ignoring it.
Where you are unsure what the deadline means or what response may be appropriate, consider obtaining support from the appropriately authorised or qualified professional for the issue involved.
If the correspondence appears to form part of a wider debt, creditor, court, personal guarantee or business problem, you can speak to Stop Your Debt UK about the wider situation.
We can help organise relevant information, provide permitted administrative and case coordination support, and help identify an appropriate professional pathway where regulated or specialist expertise is required.
Still unsure what the document in front of you means? That is exactly where LetterChekr™ is designed to start.
Upload the correspondence in front of you and start by understanding what it appears to say, the important information identified within it and what may deserve your attention next. You don't need to diagnose the problem before you begin.
Financial correspondence can feel more difficult when you do not know what you are looking at. LetterChekr™ gives you somewhere practical to start.