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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Restons Solicitors Limited Debt Collection

Restons Solicitors assist firms that are seeking help in recovering debt. If you have been contacted by Restons Solicitors, then there is a strong likelihood that you have an outstanding debt due to funds owed to one of their clients. Businesses such as lenders and debt purchasers are among some of Reston Solicitors’ clients.

Why have I received a debt letter from Restons Solicitors?

Restons Solicitors assist firms that are seeking help in recovering debt. If you have been contacted by Restons Solicitors, then there is a strong likelihood that you have an outstanding debt due to funds owed to one of their clients. Businesses such as lenders and debt purchasers are among some of Reston Solicitors’ clients.

Do I have to pay Restons Solicitors?

Inaction is likely not the best solution – ignored debts do not disappear but will inevitably deteriorate. Paying off the debt sooner will speed the road to Restons Solicitors ceasing to chase you with calls and letters. By not paying, one outcome could be Restons adding interest and charges to your current debt toll. Furthermore, things could escalate to the point that they decide to take you to court.

Going to court could have an adverse impact on your credit score and the extra costs of going to court would increase the debt sum. A County Court Judgement could be issued against someone if the situation deteriorates to this extent. A County Court Judgement means the court is ordering the debtor to pay the creditor with a breakdown of amounts and due dates.

Are Restons Solicitors legitimate?

Yes, Restons Solicitors are legitimate; they are:

  • • Regulated by the Solicitors Regulation Authority
    • A member of the Credit Services Association
    • Collector Accreditation Initiative certified
    • A member of the Consumer Credit Trade Association
    • Lexcel Law Society accredited
    • ISO 9001 certified
    • ISO 14001 certified
    • PCI Security Standards Council approved

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.


What if I cannot afford to pay Restons Solicitors?

If it is not possible for you to pay the debt in full, it may possible to agree to a payment plan with Restons. This would mean paying off the debt in instalments. However, before agreeing to any payment plan, you should complete Reston’s Financial Statement Form as fully as possible. The reason being that Reston can ensure your payment plan is manageable. The form requires details of your income and expenditure. An evaluation of your disposable income can be made and a reasonable monthly repayment schedule produced.

If you fail to make payments on the payment plan, or you are left without a choice, then they could assume you have no intention of paying the debt. To avoid this assumption, it would be wise to get in touch with Restons as soon as possible. Missing many payments to your creditor could result in them deciding to default your account. Consequently, they could request that the debt be paid in full rather than via instalments.

Usually, you will hear from a solicitor once you have been issued a default notice. A default notice is a warning to you from the solicitor that your account is about to default. It is mandatory to have a minimum of two weeks to catch up on any missed payments. If this is achieved, then your account with the creditor will avoid being defaulted upon. It is important to note that default notices only apply to certain debts. These specific debts include credit cards, personal loans, store cards, hire purchase and catalogues.

The risk of a default is to be taken very seriously; it will impact your credit score. This will lead to a negative impact on your credit rating and potentially put off future lenders when you apply for future credit. Moreover, a default remains on an individual’s credit file for six years, even if the debtor goes on to pay off the debt in full.

Can I write off my debt with Restons Solicitors?

It is possible to write off some debts and the plan for this will depend on which part of the UK you live in. In Northern Ireland, England, and Wales there is a scheme called an individual voluntary arrangement (IVA.) An IVA brings all of the person’s unsecured debt into a bundled single debt. The individual then makes affordable monthly repayments towards the debt for a period of time (usually 60 months.) At the end of the set time period, any debt leftover is legally squashed. Scotland’s scheme, the Protected Trust Deed, is similar to an IV but the time period is generally 48 months rather than 60 months.

DebtBuffer aims to help people leverage more time with creditors and can help people be treated more fairly by writing letters on their behalf. The site has an AI chatbot that can assist people in understanding their debt options by asking various questions to swiftly assess the person’s 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.

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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