Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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BW Legal Debt Collectors

BW Legal collect for a range of clients including HMRC, credit card and payday loan companies, energy and telecoms/media providers. They also collect court fines. Sometimes BW Legal collect money on behalf of these organisations, but they also buy ‘debt bundles’ from them

Who are BW Legal Debt Collectors, Why are BW Legal chasing me & Who do BW Legal collect for?

BW Legal is a firm of debt collectors based in Leeds. If you’ve received a letter or call from BW Legal, you probably owe money to one of their clients.

BW Legal collect for a range of clients including HMRC, credit card and payday loan companies, energy and telecoms/media providers. They also collect court fines. Sometimes BW Legal collect money on behalf of these organisations, but they also buy ‘debt bundles’ from them. They purchase a number of overdue accounts, at a fraction of what they’re worth, and BW Legal retains the monies they are able to recover.

Can I stop BW Legal from contacting me?

You can’t completely stop BW Legal from contacting you, but they should abide by your contact preferences, meaning that if you tell them you only want to discuss your debts in writing, they should stop calling you.

BW Legal won’t stop calling me. What can I do about it?

You can tell BW Legal you don’t wish to deal with them by phone and request they use another contact method. They also can’t discuss your debt with other people, call you at unreasonable hours, or try to pressure you into making decisions without giving you time to think things through. If they do any of these things, you can report them to the Financial Conduct Authority for breaching their rules.

Should I ignore BW Legal’s letters or calls?

The longer you leave letters unopened or calls unanswered, the higher the risk that BW Legal will take further action against you, such as obtaining a County Court Judgement. The quicker you take action, the more you can explore the options available to you.

Is my debt to BW Legal debt statute-barred?

If you have not made a payment or admitted to the debt in writing in the last six years, and no County Court Judgement has been made against you, the debt may be statute-barred. That means it’s unenforceable: BW Legal can’t take you to court, so have no way to force you to pay.

I owe the debt and I can afford to pay BW Legal. Should I?

Paying off debts improves your credit score and can often reduce stress, but ultimately it’s up to you to decide what you can afford and whether paying off a debt in full is the best move for you right now. If you’re not sure, see below:

I can’t afford to pay BW Legal. What now?

If you can’t afford to pay BW Legal in full right now, you have options. You can work with a qualified insolvency practitioner to explore these options, from working out a payment plan to looking into a trust deed or sequestration, both of which help you get out from under large debts.

What action can BW Legal take?

BW Legal can contact you to ask you to repay the debt, but cannot harass you. They can send debt collectors to your door, but you don’t have to answer them or let them in and they cannot force entry into your home.

How Debt Buffer Helps

Debt Harm

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

Deft Letter

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

Deft Easy

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


Could my BW Legal debts mean that I lose my home?

This is extremely unlikely. Most debts BW Legal collect are unsecured, meaning you didn’t secure them against your home. If you fall seriously behind with your debts, they could ask a court to secure the debt against your home, which would mean it could be repossessed.

Is BW Legal able to send in bailiffs?

Not directly. However, if BW Legal obtain a County Court Judgement, the court may send bailiffs to your home.

Will BW Legal allow me to set up a payment plan?

Yes. You can arrange a payment plan over the phone or on BW Legal’s website.

Will BW Legal accept partial payment?

There is no guarantee BW Legal will accept a partial payment. If you can afford to pay some, but not all, of what you owe, an IVA or Trust Deed might be right for you. You can find more information on these options on debtbuffer.com, and you can ask our AI chatbot for help.

Does BW Legal accept credit cards?

Yes. You can pay BW Legal using a debit or credit card, standing order, postal order, Giro, cheque, cash or direct debit.

Can I write off my BW Legal debts?

An IVA or a Trust Deed could allow you to write off 60% or more of your debts.

How do I make a complaint about BW Legal?

You can complain directly to BW Legal by mail, phone, or through their website. Their details are:
0113 323 1784
The Tannery, 91 Kirkstall Road, Leeds

If BW Legal doesn’t resolve your complaint to your satisfaction, you can contact the Financial Ombudsman Service or the Credit Services Association.

Is BW Legal legitimate?

Yes. BW Legal is a legitimate debt collector and a member of the Credit Services Association.

Can BW legally take me to court?

Yes. BW Legal can take you to court and apply for a County Court Judgement, which would then allow bailiffs to come to your home or an attachment to earnings or a charging order.

Do you have to pay BW Legal?

If you don’t pay BW Legal, they may take you to court, which could result in bailiffs being sent to your home to repossess property, or in an attachment to earnings or charging order.

Debt Buffer can help inform you about the options available to you to deal with your debts. This includes writing letters to creditors that can ensure you’re treated fairly and buy you more time to pay. Take some time to look around the site, find the course of action that is right for you, and use our AI Chatbot to for further guidance.

Frequently Asked Questions about needing 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.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

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