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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 don’t have my court costs – where can I get help with this?

There is help available for those who don’t have the court costs to hand. It is often the case that utility companies have trust funds set up to assist those in need and in particular, the water / utility companies. Severn Trent has a Trust Fund for this purpose, but you should approach your own supplier. EDF also offers help,...read more →

Can Barclaycard take money from my Barclays account?

When I went bankrupt the only bank which would give me an account was Barclays, but I’m worried that since Barclaycard was one of my creditors they might start taking money from my account. Can this happen? No they can’t because you no longer owe the money to Barclaycard. When you went bankrupt the Official Receiver would have advised all...read more →

Gobbledygook and the Insolvency Service …

I received a letter from the Insolvency Service which seems to be written in some foreign language. What do you make of this? Does it mean I’m being discharged? ‘I refer to the bankruptcy order made against you on xxxxxx and write to inform you that i intend to apply to the Secretary of state for business, innovation and skills...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 don’t have my court costs – where can I get help with this?

There is help available for those who don’t have the court costs to hand. It is often the case that utility companies have trust funds set up to assist those in need and in particular, the water / utility companies. Severn Trent has a Trust Fund for this purpose, but you should approach your own supplier. EDF also offers help,...read more →

Can Barclaycard take money from my Barclays account?

When I went bankrupt the only bank which would give me an account was Barclays, but I’m worried that since Barclaycard was one of my creditors they might start taking money from my account. Can this happen? No they can’t because you no longer owe the money to Barclaycard. When you went bankrupt the Official Receiver would have advised all...read more →

Gobbledygook and the Insolvency Service …

I received a letter from the Insolvency Service which seems to be written in some foreign language. What do you make of this? Does it mean I’m being discharged? ‘I refer to the bankruptcy order made against you on xxxxxx and write to inform you that i intend to apply to the Secretary of state for business, innovation and skills...read more →