What SmartScanit DebtSense™ does
SmartScanit DebtSense™ turns confusing, urgent or intimidating debt letters into clear next steps. Upload a photo or PDF of your letter and DebtSense™:
- Reads and analyses your debt or enforcement letter using our SenseEngine™ AI system
- Pulls out key details like amounts, deadlines, enforcement stages and threats
- Summarises everything into calm, plain English
- Rates the urgency (low / medium / high) so you know how quickly to act
- Recommends your best next step – from making an offer to challenging unfair charges
Which letters can DebtSense™ help with?
If the letter is about money you “owe”, arrears, overpayments or overdue payments – DebtSense™ can usually analyse it and help you understand your options.
Debt collectors & enforcement agents
Jacobs, Bristow & Sutor, Marston, Equita, CDER Group, Newlyn and other enforcement companies chasing unpaid debts or council tax.
Utility and household bills
Gas, electric, water, broadband, mobile and TV arrears that have been passed to collections.
Credit cards, loans & catalogues
Missed payments, arrears notices, formal demands and pre-default letters.
Rent & housing arrears
Landlord arrears notices, payment demands, “pay or quit” style letters and threats of further action.
Council or government debts
Parking fines, overpayments, benefit recovery letters, HMCTS or magistrates’ court notices and other council or government-related demands.
How SmartScanit DebtSense™ works
- Upload your letter – Snap a clear photo or upload the PDF through our secure form.
- AI summary created – Our SenseEngine™ AI scans the letter, extracts the key facts and generates a PDF summary.
- Choose your level of help – Keep the summary only, or upgrade to a pack with templates, drafted letters and 1-to-1 support.
DebtSense™ pricing – choose the support level that fits
Every DebtSense™ journey starts with an AI letter scan and PDF summary. From there, you choose how much extra support you want:
- AI-powered scan of your letter
- Plain-English PDF summary
- Amounts, deadlines & enforcement stage highlighted
- Urgency rating (low / medium / high)
- Headline recommended next step
- Everything in Lite
- Standard reply letter templates matched to your situation
- Checklist of documents & evidence to gather
- Step-by-step action plan for the next 14 days
- Everything in Essentials
- Tailored reply letter drafted for your case
- Suggested repayment or offer plan (where appropriate)
- Guidance on what to do if the creditor ignores your letter
- Short follow-up email support for tweaks to the first letter
- Everything in Full Assistance Pack
- Live 30-minute call or screen-share
- Second follow-up letter if needed
- Up to 14 days of priority email / WhatsApp support
Compare DebtSense™ options
| What’s included | Lite £4.99 |
Essentials £19.99 |
Full Pack £49.99 |
Premium £99.99 |
|---|---|---|---|---|
| AI scan & plain-English PDF summary | ✓ | ✓ | ✓ | ✓ |
| Deadlines & enforcement stage clearly highlighted | ✓ | ✓ | ✓ | ✓ |
| Urgency rating (low / medium / high) | ✓ | ✓ | ✓ | ✓ |
| Recommended next step from DebtSense™ | ✓ | ✓ | ✓ | ✓ |
| Standard reply letter templates | ✕ | ✓ | ✓ | ✓ |
| Step-by-step action plan | ✕ | ✓ | ✓ | ✓ |
| Tailored reply letter drafted for you | ✕ | ✕ | ✓ | ✓ |
| Suggested repayment / offer plan | ✕ | ✕ | ✓ | ✓ |
| Help preparing evidence & supporting documents | ✕ | ✓ | ✓ | ✓ |
| Guidance if the creditor ignores your letter | ✕ | ✓ | ✓ | ✓ |
| Short follow-up email support | ✕ | ✕ | ✓ | ✓ |
| Live call or screen-share | ✕ | ✕ | ✕ | ✓ |
| Priority support & check-ins for 14 days | ✕ | ✕ | ✕ | ✓ |
Ready to calm the noise from your debt letter?
Start with a Lite Scan for just £4.99 to understand exactly what the letter means. You can upgrade to any pack later if you decide you want more help.
DebtSense™ is an information and support service. It does not replace independent legal or debt advice where that is required.
LanguageSense™ (Multilingual Explanation)
Need this explained in your language? Select a language to receive a clear explanation of what the letter means (plus a Next Steps guide in the same language). Official letters remain in English.
This is an explanatory summary and does not replace the original letter.
How DebtSense™ works with SmartInbox™
DebtSense™ runs through SmartInbox™ — your secure inbox for HMRC and financial correspondence. When a debt or enforcement letter arrives, SmartInbox™ stores it, explains it in plain English, and flags urgency so you don’t miss deadlines.
What SmartInbox™ does Always on
Secure storage • automatic sorting • plain-English summaries • urgency & deadline flags
When DebtSense™ activates If needed
If action is required, you can activate DebtSense™ to respond, prepare next steps, and resolve the issue without panic.
- Letter arrives → send it to your SmartInbox™ (email, PDF, photo, screenshot).
- We explain it → plain-English summary + risk level (Green / Amber / Red).
- Activate DebtSense™ → monthly monitoring or a one-off resolution pack when action is needed.
Step 1 — Start your DebtSense™ Scan
Every DebtSense™ package begins with a professional AI scan of your letter. This identifies who is contacting you, what stage the debt is at, any deadlines, and what action you must take next.
Simply upload a photo or PDF of your letter below. Within minutes, you’ll receive your DebtSense™ Summary Report including:
- Plain-English explanation of the letter
- Amounts, deadlines, enforcement stage & risks
- Urgency rating (low, medium, high)
- Recommended next action
Once you’ve received your summary, you can choose to upgrade to Essentials (£19.99), Full Pack (£49.99) or Full+ (£99.99) if you need professionally drafted responses or personalised guidance.
Start Your DebtSense™ Scan