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  • debt management solutions
  • debt management solutions

We are the UK's leading Independent Bankruptcy Help Organisation, Providers of expert bankruptcy avoidance and solutions for delinquent IVA's Pre Bankruptcy. Personal and commercial bankruptcy services. Est 1998 we negotiate and manage difficult situations with trustees particularly after bankruptcy or during an IVA where a property or home is involved, and is likely to be seized unless a solution is applied quickly. Income Payment Agreement help, if you are subject to an IPA that you cant afford then call to see if we can help. if there is a way through then we will do our utmost to find a positive solution. fast and straightforward approach.

Our clients range from the average person through to Barristers and professionals that find themselves stuck in the complex and hostile world of insolvency

We aim to respond to all call back requests within 10 minutes. Or call us now 01425 600129 or 07812 917002 and you can speak to us straight away our phones are manned 7 days and during the week will take your calls up until 10pm . We deliver an initial free review of your circumstances. Then explain options and opportunities to consider. We move quickly to deal with pressing issues. Everything discussed will be confirmed by email of our services. We inform and guide you through the bankruptcy process step-by-step and complete all of the necessary bankruptcy paperwork. Our services and charges are fully transparent. What you see is what you get. There are no hidden costs or charges.

Bankruptcy Questions

Can I leave a credit card out of my bankruptcy?

No you can’t. All creditors need to be listed in bankruptcy, you can’t pick and choose which to include and exclude. We admit it would be tempting to hold on to a credit card which still had funds available, but if the Insolvency Service found out – and they will – you would be facing a Bankruptcy Restriction whereby you would...read more →

Can I put a secured loan into a bankruptcy?

The short answer to this is ‘No’ as debts secured against property are still being held by other parties e.g. a bank. In other words, you don’t own it. In bankruptcy, even secured debts are listed, but the only time these come into play is when an asset e.g. a property is sold at a loss. Under these circumstances, once the asset is sold, it becomes...read more →

Can co-signers for debts be protected in bankruptcy?

No they can’t as co-signatories are ‘jointly and severally liable’ for debts, meaning they are liable for the full amount (not half) if one party defaults or enters into bankruptcy. Therefore, if you had a joint loan, credit card or mortgage with somebody and that party decides on bankruptcy, you will be fully liable for the amount outstanding. It’s neither fair nor pleasant, but...read more →

Bankruptcy News

Former snooker star Willie Thorne facing Bankruptcy

Former snooker star Willie Thorne, aged 61, broke down in tears on ITV yesterday as he told of gambling debts owed to 35 different individuals, totalling £1 million. The maestro had also written letters pending a suicide attempt last summer, but his wife suspected something was badly wrong when he failed to arrive for ca business meeting and called emergency...read more →

The Sheriffs are coming … but who exactly are they?

You might have seen them on TV and marveled at how successful they at getting payments out of debtors, but just who are these people and how do they operate? To start with, we need to readdress them as High Court Enforcement Officers (HCEOs) and they swing into action once in possession of a High Court writ of control (formerly...read more →

Bankrupts can now get Mortgages provided …

It seems the bad times are finally behind us, as lenders are now offering mortgages for those with poor credit histories, including former bankrupts. Yorkshire, Chelsea and the West Brom will allow up to 65% loan to value, while plenty of other banks and building societies will do 60% LTV. Chelsea even has a 75% LTV option for some poor...read more →

Featured

Can I leave a credit card out of my bankruptcy?

No you can’t. All creditors need to be listed in bankruptcy, you can’t pick and choose which to include and exclude. We admit it would be tempting to hold on to a credit card which still had funds available, but if the Insolvency Service found out – and they will – you would be facing a Bankruptcy Restriction whereby you would...read more →

Former snooker star Willie Thorne facing Bankruptcy

Former snooker star Willie Thorne, aged 61, broke down in tears on ITV yesterday as he told of gambling debts owed to 35 different individuals, totalling £1 million. The maestro had also written letters pending a suicide attempt last summer, but his wife suspected something was badly wrong when he failed to arrive for ca business meeting and called emergency...read more →

Can I put a secured loan into a bankruptcy?

The short answer to this is ‘No’ as debts secured against property are still being held by other parties e.g. a bank. In other words, you don’t own it. In bankruptcy, even secured debts are listed, but the only time these come into play is when an asset e.g. a property is sold at a loss. Under these circumstances, once the asset is sold, it becomes...read more →