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  • debt management solutions
  • debt management solutions

We are the UK's leading Independent Bankruptcy Advice Providers of personal and commercial bankruptcy advice no matter how complex the case might be. We have provided bankruptcy advice to thousands of people in the past 16 years and pride ourselves on our extensive experience and friendly and straightforward approach.

Our clients range from the average man on the street to Barristers and professionals that find themselves stuck in the complex world of insolvency and the hostile approach that pressing creditors take on the indebted debtor.

We aim to respond to all call back requests within 10 minutes. On the other hand, you might wish to call us on 01425 600129 or 07812 917002 / 07894 481175 and you can speak to us straight away. We provide an initial free review to gain an understanding of your circumstances. Having assisted well over 4,500 people with successful bankruptcies, we will guide you through the process step-by-step and complete all of the necessary paperwork. We will even deal with your creditors, if needs be. We are transparent when it comes to our services. What you see is what you get. There are no hidden costs or charges.

Bankruptcy Questions

How do I file for bankruptcy?

Prior to explaining which forms need to be completed, we need to point out that courts are now asking if advice has been taken and often turn away those who have not received this. Therefore, your first task is to contact an organisation which provides this service. You are welcome to contact the Insolvency Service helpline to get assistance with...read more →

Should I use my pension to pay off my debts?

With the change in the pension rules, suddenly those over the age of 55 will be eligible to draw down larger sums e.g. £20,000 which could be used to settle debts. Those with long standing debts might view this as a salvation, but what are the side effects of drawing everything down and what else needs to be taken into...read more →

Can I still claim PPI after Bankruptcy?

If it was for loans taken prior to the bankruptcy, then no, as these are defined as ‘bankruptcy assets’ and form part of the ‘Bankruptcy Estate’. The bank in question would still  settle the PPI claim, but would forward any payment to the ‘Trustee in Bankruptcy’ or Official Receiver. That’s the official answer, but in practice many banks simply pay...read more →

Bankruptcy News

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 →

Pay Day Loans the ‘Kiss of Death’ for Mortgage Applications

Mortgage Brokers have reported that in the past 12 months 85% of mortgage applications involving previous Pay Day Loans, were rejected outright. And of the 85%, a staggering 57% had otherwise perfect credit histories. Prior to 2012, it was impossible to distinguish between Pay Day Loans and other credit applications, but both Experian and Equifax now list these separately. Unlike other sources...read more →

Featured

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 →

How do I file for bankruptcy?

Prior to explaining which forms need to be completed, we need to point out that courts are now asking if advice has been taken and often turn away those who have not received this. Therefore, your first task is to contact an organisation which provides this service. You are welcome to contact the Insolvency Service helpline to get assistance with...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 →