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Phillips and Cohen Associates UK Debt Collection

Phillips & Cohen are a debt collection agency. They collect money owed to other people, and also for debts that they have purchased themselves. Phillips & Cohen collect debts for many well-known companies, including EE and NPower. They also collect unpaid taxes on behalf of HMRC, council tax and parking tickets.

Who are Phillips & Cohen Associates (UK)?

Phillips & Cohen are a debt collection agency. They collect money owed to other people, and also for debts that they have purchased themselves.

Why are Phillips & Cohen Associates (UK) chasing me?

If you are being contacted by Phillips & Cohen it is probably because you originally owed money to another company. As a debt collection agency, Phillips & Cohen collect money on behalf of other people. You may also find that you owe money direct to Phillips & Cohen: this will happen if they have bought your debt from someone else, often as part of a bundle of debts.

Is Phillips & Cohen Associates (UK) a legitimate debt collector?

Yes, it is a legitimate debt collection agency.

Who do Phillips & Cohen Associates (UK) collect for?

Phillips & Cohen collect debts for many well-known companies, including EE and NPower. They also collect unpaid taxes on behalf of HMRC, council tax and parking tickets.

Should I ignore Phillips & Cohen Associates (UK)’s letters or calls?

If you are contacted by Phillips & Cohen do not to ignore the letters or calls. You can, if you wish, request that they deal with you only in writing which should limit the number of telephone calls you receive from them. Ignoring your debts and contact from debt collectors will not make the debt go away. You should take advice on your options if you need it, but tell Phillips and Cohen that this is what you are doing. Keep records of any contact you have with Phillips & Cohen.

Can I stop Phillips & Cohen Associates (UK) from contacting me?

No, you cannot, but you can request they deal with you only in writing. They should comply with your request.

Is my debt to Phillips & Cohen Associates (UK) statute-barred?

Most debts can only be pursued within the time limits set down in the relevant laws, usually six years in England and Wales. The debt will not be ‘statute barred’ if the creditor has a County Court Judgment for it, you have made a payment during the last six years or you have acknowledged during the last six years that the debt is due, for example by writing a letter about it. If you think your debt is statute-barred you may need legal advice.

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I owe the debt and I can afford to pay Phillips & Cohen Associates (UK) Should I?

First of all, always seek proof that the debt is owed. If it is owed and you can afford to pay, taking into account any other debts you have, then you should.

I can’t afford to pay Phillips & Cohen Associates (UK,) what now?

If you cannot afford to pay, then there may be several options available to you. Our AI chatbot will help give you a clearer view of what may be possible in your circumstances. For example, it may be possible to agree on a payment plan with Phillips & Cohen so that you pay the debt in more affordable instalments.

Can I write off my Phillips & Cohen Associates (UK) debt?

There is an option, available to some debtors if they meet the relevant criteria, which could help you write off some of the debts. This is known as an IVA in England and Wales, and a protected deed of trust in Scotland. If you qualify then you make agreed monthly payments for a set period (usually 60 months in England and Wales) and then at the end of this period any remaining debt covered by the IVA or Trust Deed is written off.

What action can Phillips & Cohen Associates (UK) take?

Phillips & Cohen can ultimately pursue the debt in the County Court and obtain a County Court Judgment (“CCJ”) against you. Once they have a CCJ registered then they can enforce it by instructing bailiffs to attend your home, obtaining a court order for the money to be paid directly from any bank or savings accounts you have or to be deducted from your wages by your employer. It is also possible for them to use the CCJ to obtain a charging order against your home.

Could my Phillips & Cohen Associates (UK) debts mean that I lose my home?

If you are a homeowner an unpaid debt can mean that you will ultimately lose your home, but this will not happen overnight. There are several steps which need to be taken first. Any creditor has the right to take you to court for an unpaid debt, and to obtain a County Court Judgment if the court agrees that the debt is owed.

County Court Judgments can be enforced in several ways, for example by sending in bailiffs and also by applying to the court for a charging order to secure the debt against property owned by the debtor. An unpaid charging order can result in the property being sold to repay the debt due and at this point, you would lose your home. However, obtaining a charging order is a lengthy process involving a County Court Judgment as a first step.

If you are concerned about your debts, and you would like to know more about the options which may be available to you, take a look at the rest of the debtbuffer.com website. Our helpful AI chatbot will ask questions to help you understand your debt options. By following these questions the chatbot can tell you whether your circumstances suit you for possible debt solutions, and you will get a clearer view as to whether it is possible for you to get on top of your debts by writing them off.

At DebtBuffer we help to ensure people get treated more fairly by their creditors and also help to write letters to creditors to buy more time to get on top of your debts.

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.

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