OUR INSOLVENCY AND DEBT SERVICES FOR INDIVIDUALS
ADVICE ON THE OPTIONS
WHEN YOU DO NOT KNOW WHICH WAY TO GO, OR THE OPTIONS AVAILABLE TO YOU, OR SIMPLY WANT A LITTLE EXTRA ADVICE

​Do not worry, we can advise of the options available, so YOU can make an informed choice on the route you would like to take, or simply provide extra advice and support where its needed.
For those that are sole traders or partners in a partnership, please see this section for more tailored information. and that specific to un-incorporated businesses.
Our advisory services to individuals are extremely broad, and include, but not limited to;
  • Advising on the options available to an individual struggling with debt. The options available vary depending your level of assets and debt you may have. We can talk you through these options and explain why some may be available to you, and why you do not qualify for others. We will also explain the advantages and disadvantages of each option. This enables you make an informed choice on the route you may wish to take
  • Providing directors with advice on how company insolvencies may impact them personally, in terms of fiduciary duties and personal finances. Insolvency Practitioners are often unable to provide advice on both company insolvencies and personal debt as this can be a conflict for the practitioner, as such should you need separate advice we able to provide this.
  • Advising on the threat of action against you for monies owed. You may not require a formal insolvency, but have the threat of action being taken against you in the form of a statutory demand, County Court Judgement (CCJ) or Bankruptcy petition, and require some further help and advice.
  • Advice with arrears of taxes. We can help negotiate with HM Revenue and Customs with regards time to pay arrangements, and the impact on options available to you for dealing with your debt
There is an overwhelming amount of information for dealing with debt on the internet, some from Government and regulated sources, but also much from unregulated sources and advisers that only have an awareness of the options available, which can result in problems later.

We strongly recommend you speak to a regulated professional on these matters, and if all the information out there is too overwhelming you can simply call us to speak to our licensed insolvency practitioner, Lucinda Matkin.

For your reference and comfort, Lucinda is listed on the government website Find an Insolvency Practitioner and can be found here>
OTHER SERVICES
DEBT RELIEF ORDERS
AN ALTERNATIVE TO BANKRUPTCY FOR THOSE WITH DEBTS UNDER £20,000
ADMINISTRATION ORDER
WHEN YOU'VE HAD A COUNTY COURT JUDGEMENT OR HIGH COURT JUDGEMENT AGAINST YOU FOR DEBTS UNDER £5,000
DEBT MANAGEMENT PLANS
A REPAYMENT PLAN WITH CREDITORS, WHICH IS NOT BINDING AND CAN CHANGE
INDIVIDUAL VOLUNTARY ARRANGEMENTS
AN ALTERNATIVE TO BANKRUPTCY THAT CAN PROVIDE PROTECTION FROM LEGAL ACTION
BANKRUPTCY ADVICE AND SERVICES
WHEN YOU ARE UNABLE TO REPAY YOUR DEBTS OR PROPOSE AN ALTERNATIVE REPAYMENT PLAN
PARTNERSHIPS AND SOLE TRADERS
NOT A LIMITED COMPANY, BUT A TRADE OR UN-INCORPORATED BUSINESS TO CONSIDER
FIDUCIARY DUTY
SEPARATE ADVICE FOR DIRECTORS ON THEIR PERSONAL DUTIES, AND IMPLICATIONS OF INSOLVENCY FOR A BUSINESS THEY ARE A DIRECTOR OF