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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Jefferson Capital (JC) International Acquisition LLC Debt Collection

JC International Acquisition is a licensed, regulated firm of debt collectors. JC International Acquisition works closely with Creditlink Account Recovery Solutions Ltd (CARS.) Together they collect funds owed to a number of clients, including banks and other financial organisations, and service providers (such as utility and phone companies.) Like most debt collectors, they have a wide range of clients.

Why is JC International Acquisition contacting me?

JC International Acquisition is a licensed, regulated firm of debt collectors. If you’ve received letters or phone calls from JC International Acquisition, it’s probably because you owe money to one of their clients and they are attempting to collect that debt. If you don’t recognise the debt they refer to, or you’re not sure that the details are correct, you can either contact JC International Acquisition or the company you originally owed the money to, in order to confirm.

Who do JC International acquisition work with?

JC International Acquisition works closely with Creditlink Account Recovery Solutions Ltd (CARS.) Together they collect funds owed to a number of clients, including banks and other financial organisations, and service providers (such as utility and phone companies.) Like most debt collectors, they have a wide range of clients.

What can JC International Acquisition do if I don’t pay?

JC International Acquisition is an organisation comprising of debt collectors, not bailiffs. They can send letters, make phone calls and even send debt collectors to your home to arrange payment. However, you don’t have to let debt collectors into your home or even answer the door, and they cannot force entry. In fact, there are many things debt collectors can’t do, including harassing you, misleading you, or charging excessive fees or interest on a debt.

When debt collectors are unable to collect a debt, they sometimes pass it back to the original creditor (for example, the phone company) who may then employ a different firm of debt collectors to collect the money, starting the process again.

Alternatively, a debt collector such as JC International Acquisition can take you to court and obtain a County Court Judgement (CCJ.) Once a CCJ has been obtained you must pay the debt all at once or in instalments, or as a court-mandated attachment to earnings. If you don’t pay at this point, the court (not JC International Acquisition) may send bailiffs to your home to repossess the property to reclaim the value of the debt.

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.


How do I stop JC International Acquisition contacting me?

One option is to repay the debt if you can afford to do so. Most debt collectors won’t require you to pay all at once and should work with you to agree on a repayment plan that you can afford. If you can’t afford to repay your debt in full or in part, you still have several options.

JC International Acquisition is within their rights to contact you by letter, phone or in person, but you can request that they use a preferred method. For example, you can inform them that you only want to discuss your debt in writing. They should respect your wishes, and in future only contact you by letter. Additionally, they should not harass you. This means they can’t contact you too frequently or at unreasonable hours. If they do you can complain to the Financial Ombudsman service.

You have the right to ask JC International Acquisition to give you breathing space. Once you do this, they should leave you alone for 30 days except for any communications required by law. You can use that time for any purpose, including to seek professional advice.

There are people who can help you figure out your options when it comes to managing your debts. You could speak to a professional insolvency practitioner or find resources on the web (including debtbuffer.com’s AI chatbot).

If your debts are significant and you can’t afford to pay, it might be worth looking into the option of an Independent Voluntary Arrangement (IVA) or, in Scotland, a Trust Deed. Both are legal processes that can help reduce your debt to a manageable level. You pay an agreed percentage of the debt or debts over a fixed period (usually from two to six years, depending on the type of agreement,) and the rest is written off. However, an IVA or Trust Deed stays on your credit record for several years, so is not the right option for everyone.

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 get 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 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.

Are you ready?

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