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  • debt management solutions
  • debt management solutions

We are the UK's leading Independent Bankruptcy Help Organisation Providers of expert bankruptcy management, bankruptcy avoidance solutions Solutions for failing IVA's Personal and Commercial Bankruptcy solutions. Established in 1998 we negotiate and manage distressed financial and legal situations. Particularly with trustees during and after bankruptcy or 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

Will I have time to sell my property before bankruptcy?

Somebody is threatening to make me bankrupt – will I have time to sell a property to settle the debt before this happens? Our first question to you is ‘Have you received a Statutory Demand?’ as this is the step that needs to be taken by a creditor prior to bankruptcy. If not, we would suggest that the threat holds no substance. However,...read more →

Can I still claim PPI if I go bankrupt?

No you can’t, as PPI taken on loans prior to the bankruptcy is classified as a ‘Bankruptcy Asset’ and forms part of the Bankruptcy Estate. The bank in question would therefore be obliged to make out any refund cheques to ‘The Trustee of xxxxxx’ and the recipient would forward the cheque to the Official Receiver or Trustee. Having said that,...read more →

Will my creditors show up in court when I file for bankruptcy?

No they won’t, as they will have no idea that you have filed for bankruptcy. Your creditors will become aware of the bankruptcy once the Insolvency Service has written to them. You might be surprised at just how dispassionate the bankruptcy process is – nobody gets into a flap, nobody shouts and screams, and in most cases you don’t even see...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

Will I have time to sell my property before bankruptcy?

Somebody is threatening to make me bankrupt – will I have time to sell a property to settle the debt before this happens? Our first question to you is ‘Have you received a Statutory Demand?’ as this is the step that needs to be taken by a creditor prior to bankruptcy. If not, we would suggest that the threat holds no substance. However,...read more →

Can I still claim PPI if I go bankrupt?

No you can’t, as PPI taken on loans prior to the bankruptcy is classified as a ‘Bankruptcy Asset’ and forms part of the Bankruptcy Estate. The bank in question would therefore be obliged to make out any refund cheques to ‘The Trustee of xxxxxx’ and the recipient would forward the cheque to the Official Receiver or Trustee. Having said that,...read more →

Will my creditors show up in court when I file for bankruptcy?

No they won’t, as they will have no idea that you have filed for bankruptcy. Your creditors will become aware of the bankruptcy once the Insolvency Service has written to them. You might be surprised at just how dispassionate the bankruptcy process is – nobody gets into a flap, nobody shouts and screams, and in most cases you don’t even see...read more →