Why Using a Private Financial Advocate Is 100% Lawful

And Often Better Than IVAs or Debt Management Plans

In a world where debt relief often comes with hidden costs, fear-based tactics, and long-term damage to creditworthiness, many people wrongly assume that their only options are:

Signing up to a regulated IVA or DMP,
Dealing with their creditors alone,
Or simply avoiding the pressure altogether.

But there is another option — and it is completely lawful, effective, and backed by the Financial Conduct Authority (FCA):

Appointing a Private Financial Advocate under a Limited Power of Attorney (LPOA) to represent you, freeze interest, stop harassment, and negotiate fair, affordable terms.

This model is not "debt avoidance" or deception — it is lawful delegation, used widely in many settings.

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