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Services

Personal Solutions

Practical, confidential help for individuals facing unmanageable debt, from creditor negotiations through to formal arrangements.

You have more options than you probably think

Most people come to us assuming bankruptcy is the only answer. Usually it isn't. Here are the routes available, in the order we would normally consider them.

Solvent or insolvent process

Managing Personal Financial Distress

Practical help before anything formal is needed: negotiating with creditors, dealing with HMRC and managing personal guarantee claims.

  • Assess funding requirements
  • Negotiate with creditors
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Insolvent process

Individual Voluntary Arrangement

A legally binding agreement with your creditors that lets you keep control of your affairs and avoid bankruptcy while debts are repaid over a fixed period.

  • Restructure
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Insolvent process

Bankruptcy

The final step in dealing with unmanageable personal debt: a reset, with real consequences, that we will explain plainly before you decide.

  • Reset
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No judgement

It is a conversation, not a confession

People put off this call for months, sometimes years, expecting to be judged. That is not what happens. We deal with these situations every day, they are far more common than you would think, and there is almost always something constructive that can be done.

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Personal debt: common questions

Is my first conversation with you confidential?
Yes, entirely, and it is free. Nothing is registered or reported anywhere as a result of talking to us, and there is no obligation to take anything further.
Which is better, an IVA or bankruptcy?
It depends on your circumstances, particularly whether you own assets worth protecting and whether you have income to contribute. An IVA lets you keep control of your affairs; bankruptcy is shorter but involves losing assets of value. We will set both out honestly rather than steering you.
Will my employer find out?
In most cases, no. Bankruptcy and IVAs appear on the public Individual Insolvency Register, but there is no notification to an employer as a matter of course. Certain regulated roles, particularly in financial services, do carry disclosure obligations. We will tell you if that applies to you.
Can I deal with debts without a formal process?
Frequently, yes. Negotiating payment plans with creditors or with HMRC resolves a great many situations without anything formal being needed. That is where most of our personal work starts.

Let’s talk it through, in confidence.

A free, no-obligation conversation is the best first step. You will speak to an experienced adviser, not a call handler.

Speak to an adviser 020 3019 0224