Are you ready to

UNLOCK

the rules they never taught you?

Learn how to lawfully assert your rights, reverse engineered from legal systems, trust structures, and the creditor's position in commerce.

🔒 Private Members Only. By Invitation or Application.

Featured and mentioned on:

"Transitioning you from Debtor to Creditor"

Creditor Academy UK

At Creditor Academy, we teach what conventional finance and law schools won’t, how to operate as a private creditor in a world that conditions you to act like a public debtor.

Our UK private members-only community is dedicated to revealing the powerful legal and financial remedies hidden in plain sight: from trusts and equity to negotiable instruments and contract enforcement. Whether you’re seeking remedy, sovereignty, or strategic leverage, we equip you with the tools, templates, and teachings to reclaim control over your affairs, privately, lawfully, and confidently. This is not just education. It’s financial re-education for those ready to exit the matrix.

Meet Ray

The Founder of Creditor Academy

Ray McLennan is a former corporate lawyer, private investor and business owner who is very unhappy with the way banks and lenders treat property owners. The whole monetary system is set up for you to fail, but there are steps that anyone can take to alleviate the financial pain and allow you to create a very bright future.

All Members Receive:

Online Courses

Access to a growing number of practical, comprehensive courses to level up your mastery and implement immediately. We create specific hand picked remedies that members are asking for.

Online Community

Engage with other members in our user friendly online community platform to find accountability buddies and gain further support ongoing.

Live Interactive Webinars

We answer all your questions and document them for future reference. Connect and learn from other members in the community.

Private Partner Network

Access to our network of carefully curated and vetted partners who provide a white glove done for you service.

£22 Mil

Debt Discharged

50+

Positive Reviews

93%

Success Rate

15+

Practical Remedies and Growing Fast

Learn the Laws They Don’t Teach in Law School.

The School for Private Creditors, Not Public Consumers.

Pick a Program That Speaks to You

All prices are monthly recurring until cancelled

Initiate

£9

The first step into the private world; entry-level but exclusive

  • Full Community Access

  • Course: Stop TV Licensing

  • Course: Stop Future Taxes

  • 1 x Weekly Live Webinar

Unlimited Access. Cancel Anytime.

Executor

£297

Someone with authority over a trust or estate; full power access

  • Full Community Access

  • Unlock All Courses:

    • Trusts & Equity

    • Recoup Bank Payments

    • Status Correction

    • Private Conveyance

    • Preparing for Court

    • Set-off Utility Bills

    • Prevent Mortgage Foreclosure

  • 2 x Weekly Live Webinars

  • Access to Partner Network

Unlimited Access. Cancel Anytime.

Chancellor

£997

A nod to the Court of Chancery and elite command of equity law

  • Full Community Access

  • Unlock All Courses

  • + 3 x Weekly Live Webinars

  • + Access to Partner Network

  • + Unlock Heavily Discounted One on One Consults.

Unlimited Access. Cancel Anytime.

Frequently asked questions:

How much time and effort do I need to put in?

If I gave you a 20-foot container of sand and told you—with absolute certainty—that a 50-carat diamond was hidden inside, how long would you keep digging?

You have a spade, and all you need is patience. Whether it takes 50 scoops or 1,000, you will find the diamond. Would you stop before you you found it?

How exactly will this benefit me?

It gives you the tools, knowledge, and guidance to dig through the complex layers of law, finance, and power that have been used against everyday people for decades.

Inside this community, you’ll uncover the remedies, rights, and strategies hidden in plain sight—assets as valuable as that 50-carat diamond.

Whether you’re just starting or already scooping, Creditor Academy ensures you're not digging blind. You're digging smart, and you're not alone.

Is it legal?

Yes, everything is 100% legal. We're simply exposing how legal loopholes are used against you, so you can lawfully protect yourself from corporate exploitation that preys on public ignorance.

What will it cost me to hire you to do this for me?

Once you have joined the community and consumed some of the training you will have a better understanding as to what is required and how how simple we have made things.

We are all about empowering individuals to be stewards of their own circumstances and our community itself is extremely knowledgable, along with our weekly live webinars that give you the chance to ask any unanswered questions.

After becoming familiar with what we are all about from the inside we do offer a done for you service which is accessible inside the members area.

If I need to, how do I cancel my subscption?

If at any time you feel that this is not a good fit all you need to do is send an admin a direct message within our community, or complete our contact form here, and request a cancellation. We'll cancel your subscription immediately so you are no longer billed any longer.

Disclaimer

The content provided on CreditorAcademy.co.uk is for general information and educational purposes only. Nothing on this website constitutes legal, financial, or professional advice, and no reliance should be placed on it as such. You should consult a qualified professional adviser before taking, or refraining from taking, any action based on information contained on this site.

While reasonable efforts are made to ensure the accuracy and timeliness of information, CreditorAcademy.co.uk accepts no responsibility for any loss, damage, or inconvenience caused as a result of reliance on such information. This includes, but is not limited to, loss or damage arising in contract, tort (including negligence), or otherwise, from the use of or inability to use this website, or from any action or decision taken as a result of using the site.

The views expressed on this site represent those of the author(s) and do not necessarily reflect the opinions of any affiliated organisations. The content does not constitute legal advice or create any legal relationship.

External Links:

This website may contain links to third-party websites. These links are provided solely for your convenience and do not constitute endorsement or approval by CreditorAcademy.co.uk of the content, policies, or practices of those sites. We have no control over the nature, content, or availability of any linked websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

Data Protection:

CreditorAcademy.co.uk’s Author is registered with the Information Commissioner's Office (ICO) under registration number ZA357240 and complies with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 in respect of all personal data handled via this site.

Use of this website is subject to the laws of England and Wales. By using this site, you agree to the terms of this disclaimer.