Find out if you can write off your debt today by answering a few quick questions.

AS FEATURED IN

LET’S HELP YOU

BREATHE AGAIN!

YOU ARE NOT ALONE WITH DEBT

Take back control of your life and get to enjoy more of your money. Let’s help make the phone calls, letters and stress from debts stop. Let’s help you understand your debt options and look towards a better and certain future. Are you ready?

IF YOU ARE STRUGGLING WITH DEBTS, WE CAN HELP

YOU ARE NOT ALONE WITH DEBT

77,982

Total people who managed to enter an IVA to write off up to 90% of debts.

122,181

Total insolvencies in England & Wales in 2019.

Average total unsecured debt per UK adult in January 2020.

£4,264

Example

64% of debt written off

BANK LOANS

Owed

£4000

SHORT TERM LOANS

£2500

CATALOGUES

£2000

PHONE BILLS

£500

CREDIT CARDS

£5000

STORE CARDS

£1500

OVERDRAFT

£1750

DEBT COLLECTORS

£3500

TOTAL

£20,750

£685

Current monthly payment

PER MONTH

£125

New monthly payment

PER MONTH

Benefits Of This Debt Relief Service

One affordable

low monthly repayment

Protect

your assets

No upfront

costs

Freeze all

interest and charges

Write Off

Unaffordable Debts

Stop lenders

contacting you

We help you realise & address the harm bad debt does to your mental & physical health

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

We help you understand your options based on your circumstances and the information you tell us. No BS.

HOW DEBT BUFFER HELPS

No talking to humans, no complex info required, no pressure - just a 25 second form

How it works

Step one

Fill out the form above. It's safe, secure and super quick. 


Stop interest and charges from soaring & lower your bills to one affordable monthly payment.


1

Step two

We will ask you a handful of easy to answer questions. 

2

A debt expert will be in touch to run through your debts to identify what you can afford to pay each month.

Step three

3

YOU ARE NOT ALONE WITH DEBT

"If you are struggling with debts that are impacting you or your families quality of life or being chased by collections agencies / have bailiffs banging on the front door 

our debt relief options can help"

Debts we can handle

Utility Arrears

Council Arrears

Store Debts

Payday Loans

Catalogues

CCJ Debts

Overdrafts

Loans

Credit Cards

HMRC Debts

Bailiffs

Debt Collectors

Struggling with debts over £6000?

Frequently Asked Questions

NEED MORE DEBT HELP? 

WHAT IS THE BEST WAY OF DEALING WITH MY DEBTS?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

WHAT IS AN IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details


IS AN IVA WORTH IT?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

HOW DOES AN IVA WORK?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.

An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.

© DebtBuffer.com. It is free to use the DebtBuffer website. DebtBuffer is a trading name of DEBTBUFFER LTD which is Registered as a company in England & Wales. Co Reg: 12872841. Registered office: 71-75 Shelton Street, London WC2H 9JQ. Registered with the ICO under Reg No: ZA787087.

Andrew Clay is licensed and regulated to act as an Insolvency Practitioner in the UK by the Insolvency Practitioners Association.

To find out more about managing your money and getting free debt advice visit, Money Advice Service, an independent service set up by the Government to help people manage their money.

© DebtBuffer.com. It is free to use the DebtBuffer website.