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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

I checked the London Gazette for the date of my bankruptcy and nothing has appeared .. Is it possible my case has been overlooked?

No its not, it will definitely appear in due course. All bankruptcies that take place in England and Wales have to be recorded in the London Gazette. Occasionally records are batched before posting and this is the likely reason for the delay. Just for the record – if you’ll forgive the pun – the London Gazette is one of the official journals...read more →

My Trustee is looking at transactions from 2003 – is that right?

It is most unusual as the Statement of Affairs only requires details of bank accounts over the past two years and in the case over property, five years. Just why they are ferreting into transactions that took place 12 years ago is intriguing, but they are quite entitled to do so. Even if something untoward were discovered, it would be...read more →

Can I include Payday loans in my bankruptcy? My lender says ‘No’ ..

Yes you can as Payday loans are provable debts in bankruptcy. We understand that your lender said ‘No’ because the loan was taken in the past 12 months. We’re not allowed to swear on this website, so we’ll just say that that statement is a load of poppycock. You can include debts taken five minutes prior to petitioning for bankruptcy, though...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

I checked the London Gazette for the date of my bankruptcy and nothing has appeared .. Is it possible my case has been overlooked?

No its not, it will definitely appear in due course. All bankruptcies that take place in England and Wales have to be recorded in the London Gazette. Occasionally records are batched before posting and this is the likely reason for the delay. Just for the record – if you’ll forgive the pun – the London Gazette is one of the official journals...read more →

My Trustee is looking at transactions from 2003 – is that right?

It is most unusual as the Statement of Affairs only requires details of bank accounts over the past two years and in the case over property, five years. Just why they are ferreting into transactions that took place 12 years ago is intriguing, but they are quite entitled to do so. Even if something untoward were discovered, it would be...read more →

Can I include Payday loans in my bankruptcy? My lender says ‘No’ ..

Yes you can as Payday loans are provable debts in bankruptcy. We understand that your lender said ‘No’ because the loan was taken in the past 12 months. We’re not allowed to swear on this website, so we’ll just say that that statement is a load of poppycock. You can include debts taken five minutes prior to petitioning for bankruptcy, though...read more →