Debt Written Off - Version 1.0 Debt before April 2007 can be written off. Save thousands. Specialist solicitor will help sort out your finances and write off credit card debt for a small fee. Write off any loan agreement prior to April 2007 which does not meet Consumer Credit Act compliance rules. This is NOT a legal loophole: this is the law itself, and any credit agreement which fails to comply with the CCA 1974 will be deemed legally unenforceable.