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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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Lowell Financial Group and Solicitors Debt Collection

Lowell Group is a debt collection agency that collects debts on behalf of other companies, which is why you may not recognise the name. Lowell Group also purchases debt ‘bundles’ from companies and thus own various debts.

Who is Lowell Group Debt Collection?

Lowell Group is a debt collection agency that collects debts on behalf of other companies, which is why you may not recognise the name. Lowell Group also purchases debt ‘bundles’ from companies and thus own various debts.

Why are Lowell Solicitors sending me debt letters?

Lowell Solicitors will contact you to chase overdue debt they are either managing or have bought.

They will typically begin by sending an initial, system-driven, standard letter, with a follow-up telephone call or text. If you are unsure, it is worth verifying that the debt is yours.

How do I know Lowell Solicitors are legitimate?

It is always advisable to check a company is legitimate before making any kind of payment. In their first communication, Lowell Solicitors should tell you the name of your original creditor, who in turn should also contact you to inform you that the debt has been passed on. The Financial Conduct Authority has a register on which you can verify a debt collection agency.

Who do they collect for?

Lowell Group collects debts for retail, utilities, telecoms, government agencies and financial services.

Will Lowell Financial go away if I ignore them?

Ignoring communications from Lowell Financial will not make the situation or the debt go away. By ignoring them you risk further action being taken. You are entitled to seek professional debt advice and they should allow time for you to consider your options.

Can I prevent Lowell Group from contacting me?

As Lowell Group have been engaged to recover the debt, they may be legally obligated to contact you. You are entitled to tell them your preferred method of contact, for example, only in writing or via email, rather than by telephone.

Will Lowell Group send bailiffs?

With advance notice, Lowell Group can send debt collectors to your home if you do not make payment. They cannot enter your home or remove goods as they are not bailiffs. They must take you to court to send bailiffs.

How will Lowell Financial recover my debt?

On their initial contact, they will request you to make a payment, either in full or by instalments.

Will Lowell Group give me an Attachment of Earnings order?

An Attachment of Earnings Order comprises employer deductions directly from your wages to repay the debt. An Attachment of Earnings Order is obtained through the court.

What will happen if I don’t pay Lowell Financial?

If you do not make a financial arrangement with them, Lowell Financial can take legal action, the costs of which will be added to your original debt. Legal action can include a County Court Judgement (CCJ), bailiffs instructed to remove goods, an Attachment of Earnings Order or a Charging Order which secures the debt against your property.

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.


I can’t afford to pay Lowell Group; how do I write off my Lowell Group debt?

In England, you may be able to obtain an Individual Voluntary Arrangement (IVA) which consolidates all your unsecured debt into one affordable monthly repayment over a set time period. After that time period, the debt is written off. In Scotland, a similar scheme is called a Protected Trust Deed. These methods may also be able to protect your house or car from repossession. Taking professional debt advice to discuss your options is advisable.

What actions are Lowell Group likely to take?

Lowell Group can chase you for repayments. They cannot harass you or call at unreasonable times or places such as your place of work. They are not permitted to discuss your debt with family members or employers without consent. They should use easily understood language and not threaten unlikely legal action.

Can Lowell Group sell my home?

It is likely that your debt to Lowell Group is unsecured, which means it is not secured against an asset such as property. To secure the debt against your home, they must successfully take you to court to obtain a CCJ and a Charging Order firstly.

I feel embarrassed to talk to Lowell Financial

It isn’t uncommon to feel ashamed of debt and find it hard to deal with, however, the best route forward is to acknowledge the situation and find a solution. Over 8 million people in the UK struggled to pay their debts or bills last year according to the National Audit Office.

If you choose to speak to someone at Lowell Group over the phone, remember that they deal with these situations every day, they do not operate with judgement and are motivated to work with you seek a solution. They should be willing to work towards a payment arrangement with you. It won’t happen immediately but a time will come when you’ll be debt-free.

The internet and informal advise can be full of misinformation, it is always advisable to seek professional debt advice.

What other options are there with Lowell Group?

There is a range of possible debt solutions such as a debt management plan, whereby you can agree on a manageable payment plan. The instalments should be affordable, without excessive charges, interest or penalties. A debt consolidation loan, debt arrangement scheme, the IVA/Protected Trust Deed explained above or bankruptcy or sequestration are other options.

Can Lowell portfolio take you to court?

Lowell Group can take you to court to obtain a County Court Judgement, Attachment of Earnings or a Charging Order.

How does Lowell respond to a three-letter process?

To pursue a debt Lowell must legally be in possession of certain documents. To establish this, you can initiate a 3 letter/Notice of Conditional Acceptance process which makes reasonable requests for proof. There is a set process to follow.

Debtbuffer has a range of information such as “prove it” letters and letter writing services to delay being chased by creditors. Alternatively, use our AI Chatbot to discover possible debt management solutions. Life is too short to carry the burden of bad debts and Debtbuffer want to help you find a route to being debt-free.

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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