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!

Are you ready?

Show me my debt options

Write a letter to help with the hassle of debt

Being in debt is serious enough, however, heap on top the stress and anxieties caused by being chased for payments and debts you cannot afford to pay, it can become too much for some.

DebtBuffer is here to help. Not only can you find out what your options are for dealing with your debts, and whether you are able to lower your payments and write off a large chunk of them, but we have also launched our new letter writing service.

The service is currently in BETA, so it is not the most perfect finished solution, some awesome stuff is planned. But, it allows you to quickly enter some details and have a completed letter sent to your email inbox for you to send on to whoever is chasing you for debt payments. These letters are designed to help take away, temporarily, some of the stresses involved with having serious debt problems. If we can help you delay enforcement even for a short period whilst you are able to seek professional help, that is mission accomplished for us. Life is too short for carrying the burden of debt you cannot manage as the financial system is engineered to try recover that debt. Unfortunately that is to the detriment of many peoples mental and physical health. We’re here to help. Look at your choices below and see if there is a letter template that might help you today.

create your letters

Prove my Debt

This letter asks a creditor or anyone chasing you for a debt to prove that the debt exists. Under the Consumer Credit Act 1974, if a creditor cannot produce a copy of the credit agreement within 12 days of being requested, the debt cannot be enforced.

Hold Action & Buy Time

This letter helps buy you some time to get any action suspended for a temporary period whilst you get on top of your budgets for making repayments OR seek professional debt counselling advice to see how you might be able to tackle your debts.

Declare Yourself Vulnerable

If you are being chased for debts it can be seriously damaging to your mental and physical health. If you can be declared vulnerable then this helps to change how debt collectors and creditors have to deal with you. It can also buy you extra time to get debt help.

Notice of Harassment

There are rules for how creditors, debt collection agencies & bailiffs are meant to behave. If they are acting in ways that are threatening, abusive and are causing you severe distress use this letter to tell them to stop.

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?

Show me my debt options