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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

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 →