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Iva To Bankruptcy Advice From Bankruptcy.co.uk

“Bankruptcy.co.uk are committed to helping our clients achieve their financial goals by providing informed solutions, based on superior industry knowledge and a real understanding of the issues that affect our clients” – Sean Mason Kiani (Owner Of Bankruptcy.co.uk)

Important! - If you are looking at this website then in most cases it is because either you, or a loved one are struggling to repay your financial commitments. Your circumstances have probably changed over the years (especially in a recession) and the once manageable repayments you could afford are suddenly a burden, both emotionally and financially. Our aim here at bankruptcy.co.uk  is to use our extensive knowledge and experience in insolvency law To give people in financial difficulty the chance to restart their lives, to leave their financial burdens behind them, and to start a fresh slate.  We’re proud of our aim, we feel that we provide a much needed service and we’re exceptionally good at what we do!  

Worried About The Idea Of Bankruptcy? Read Some Of The Most Common Misconceptions

Bailiffs And Bankruptcy
No bailiffs come to your home when you declare yourself bankrupt – in fact the Insolvency Act 1986 states specifically that “clothing, bedding, furniture, household equipment and provisions as are necessary for satisfying the basic domestic needs of the bankrupt and his family” are exempt from the bankruptcy estate. Not only that but “such tools, books, vehicles and other items of equipment as are necessary to the bankrupt for use personally by him in his employment, business or vocation” are also exempt. Have a think for a moment and ask yourself what this doesn’t include? In essence, during bankruptcy, all of your household assets are safe.  Bankruptcy was designed to protect debtors from their creditors.  Once bankrupt, bailiffs are no longer allowed into your home. If you are in debt and unable to pay your monthly repayments then you are safer from bailiffs in bankruptcy than your current situation. To find out more about bailiffs and your home either contact us directly or take a look here at the this specific section of the Insolvency Act 1986 yourself!
Your Debts In Bankruptcy
There are 2 types of debts these are namely secured and unsecured debts.  Let’s look at unsecured debts first. These are things like credit cards, store cards, overdraft facilities by banks and sometimes can be loans from the bank that aren’t “secured” on an asset you own. All of these debts are completely written off in bankruptcy.  Secured debts are a little more complicated as you have an asset that you owe payments for. Secured loans can be things like a mortgage on your home, higher purchase on a vehicle or a loan secured on a major asset in your home.  A great example of a secured debt in bankruptcy is your home. If it is in negative equity you then have two choices in your bankruptcy. You can opt to keep the home and also the debt associated with it – or – you can choose to enter the home into the bankruptcy estate. In either of these situations you are in control as to which decision you make. If your home is in positive equity – then it is an asset as if it was sold the mortgage could be paid off, and profits could be given to your creditors. This is a lengthy costly process and in most cases the Official Receiver will agree a price that must be paid to keep your home (If you wish to keep it). This must be paid by a third party in your bankruptcy (otherwise it is considered as an asset that must go to your creditors!) Other secured assets / loans are dealt with in the same manner – however it may/may not require the approval of the court. 
Your Home In Bankruptcy
Home Owners In Negative Equity & Bankruptcy If you are planning on going bankrupt but own a property this can be very concerning as the immediate question is…. what happens to my home? For homeowners in negative equity there is very positive news. You can opt to keep the home and also the debt associated with it when going bankrupt! Or you can choose to enter the home into the bankruptcy estate. Since the home is effectively a debt – the Official Receiver will have no issues with you deciding to “keep debts” after bankruptcy. You should speak to your mortgage provider however to ensure they are happy with this.  Home Owners In Positive Equity & Bankruptcy If you are planning on going bankrupt but you own a property that is in positive equity then you definitely need to seek advice from an expert before going bankrupt. The problem is that if you property was sold – the mortgage could be paid off and a profit could be made from your home’s sale. In this instance the profits could be distributed to your creditors by the Official Receiver in an attempt to pay off some of the debts you have accrued. However – there is a silver lining. The bankruptee can make an offer from a third party to pay the “profit of sale” directly to the Official Receiver. In this manner the sale of the home is bypassed and the bankruptee can keep their home in bankruptcy. This is a process that definitely needs 3rd party advice / information before proceeding into bankruptcy.  Multiple Property Owners & Bankruptcy If you own multiple homes then you need to seek advice on bankruptcy to ensure it is the appropriate solution for you. If your homes are in positive equity then bankruptcy may not be the right option for you. (Have you considered selling the properties to pay off the debts?). If the properties are primarily in negative equity then bankruptcy may be a sensible proposal. However – please note that you cannot keep multiple properties during bankruptcy. You will be allowed to keep your family home (if in negative equity or if an offer is made for the positive equity) – but no further properties will be exempt from the bankruptcy estate. Please call us to discuss your situation in more detail. We’d be happy to advise. 
Your Car In Bankruptcy
A very common question that is asked by people intending on bankruptcy is “what happens to my vehicle”?. Hopefully this article will give some clarity on this matter. Section 283 subsection 2 of the Insolvency Act 1986 states that if you own your vehicle outright and it is needed for work purposes, it is exempt from the bankruptcy estate.  There are however some obvious restrictions. Your vehicle must be of modest value – otherwise the Official Receiver may deem it as being too great an asset to ignore. Also – if your car is on higher purchase there are problems and issues that need to be discussed before going bankrupt. Once again we’d heavily suggest that if you own a higher purchase vehicle and wish to keep the debt (and the car) in bankruptcy that you speak to one of our consultants to discuss this matter in more detail. Everything is possible! 

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If you answered yes to any of the questions above – you are not alone. Over 3 million households in the UK are struggling to pay their debts and unable to cope with their current financial circumstances. Bankruptcy.co.uk was setup to give people in your situation the help, advice and protection they need. Our company logo is a Phoenix for a reason – we can help give you financial rebirth, a fresh slate and a new financial life.


Why should you trust Bankruptcy.co.uk?
Take A Look At What Our Clients Think Of Us

Each and every testimonial testimonial given on this website is giving genuine feedback on our bankruptcy services. If necessary we can provide proof and evidence of each and every testimonial. These are all real people giving real feedback on our bankruptcy services that we have provided since 1998. For client confidentiality only first names are used and in certain cases we have had to remove elements of the testimonial for client confidentiality purposes.
Jeremy

I Just wanted to send a mail to thank you and your staff so much for all your help with lodging our Bankruptcy Petition. Your expertise gave us someone to “hold our hand” through the process, ever aware of the delicate and sensitive nature of what we were going through. With all your help we sat in front of the judge in his office that morning in May and were released from our debts. We were in the office less than 3 minutes!!! Bankruptcy.co.uk made this dream become a reality for us. Words will never express the gratitude we feel. Should you have any clients who wish to speak to someone who has benefited from bankruptcy.co.uk’s assistance I would be only too delighted to telephone and discuss. As you said, there is always an option.

Daniel

At a time when so many individuals and companies face difficulties in managing their finances in what is universally recognized as the toughest economic environment in living memory, I would like to highlight the degree of professionalism with which bankruptcy.co.uk dealt with my case. Whereby other companies failed to answer even simple questions about my financial situation, and others refused to help me altogether, bankruptcy.co.uk stated clearly from the very beginning, in writing, all the options available to me. And whenever my queries became more complex, my case officer didn’t hesitate to refer me to a manager or a higher up officer better placed to answer, and everything without requiring any upfront fee. Therefore in my personal experience I would not hesitate to recommend bankruptcy.co.uk.

Lisa

I would like to take this opportunity in telling you that I have been 100% happy with the bankruptcy service and the support your company gave me and my partner during a very difficult and stressful time for both of us. Without your continued support during my bankruptcy I really do not know how things would have turned out for us. You explained our options and explained our best solution to our financial situation to which we are extremely grateful, we were also given the opportunity to call at anytime with any questions we had and they were answered without any hesitation and it was all done in a professional manner. I would like to take this opportunity to wish you all at bankruptcy.co.uk well. We are behind you totally.

Martin

I would like to say what an excellent service bankruptcy.co.uk did for me. I nearly got tied up in an IVA which I couldn’t afford. The advice given and support through the bankruptcy process was excellent. You gave good advice and stopped me being stitched up in an IVA. 

Roger

At what was a very anxious and vulnerable time, I was made to feel that I wasn’t guilty of any misdemeanor (though this was how I did feel at that time), and any questions I asked were answered truthfully. I was frequently given other options in the answers, and was at all times made to feel comfortable about the course of action I was having to take. I considered the manner and attitude of everyone I spoke to was completely professional, and extremely helpful, and as a result of this, the entire procedure was smooth running – right up to and including my appearance at court for my bankruptcy. I wish bankruptcy.co.uk every success in the future.

Jasim

Well as you know I submitted my bankruptcy petition on the 4th of April and I must say it feels like a huge weight off my shoulders already. I would just like to say a big thankyou to bankruptcy.co.uk for the help and advice you gave in preparing my petition and statement of affairs. This has been one of the biggest decisions I have ever made in my life but I am glad I made it as now I can move on. I have dealt with many companies over the past few years who have all offered me a “Miracle” solution to my debt problems. I won’t say what you’ve offered me is a miracle, but your honesty and straight talking has really helped me solve my debts. Thanks again and keep up the good work.

Bronwynne

Well I do feel like a new woman. The bankruptcy is all over and done with now. I came out of court at 11:30am, and you are right, a load has been lifted off my shoulders. I am not the first to go through this, and won’t be the last. Didn’t need to see the judge, case was straight forward, spoke to the official receiver and was given my bankruptcy number which is XXX/XX. In a few weeks time, the official receiver will ring me again, ask me more questions and then it is basically finished with. I thank you with all my heart helping me get through this, and many thanks to the wonderful staff of bankruptcy.co.uk, without the kindness, support and respect shown to me from them, I think I wouldn’t of been able to do it. Just need to get all utilities up and running now, and then on the road to hopefully a better life than what we have been living. Have a beautiful day, I will be in touch and thanks once again. Kindest regards to you all.

Colin

Ok this is quite simple. I was suicidal (and being treated by my doctor) because of my debts. If it wasn’t for bankruptcy.co.uk I would have killed myself months ago! I am quite happy to be contacted, my name is Colin XXXXX XXXXX, my bankruptcy reference number was XXX of 2007 in XXXXX County Court. The Doctor who treated my depression was Dr XXX XXXX.  (We have had to blank aspects of this testimonial for data protection purposes)

Andy

I haven’t had any letters from any of the creditors for a while, and I’ve only had a couple of email requests from the official receiver. One to verify our life insurance and one to have me scan and send some wage slips. Apart from that, all quiet, so if this is what it’s going to be like, I’m happy! Thanks for all your help and patience setting this up. I’m glad I made that call! All the best. 

Nicco

All is well thank you and I was suprised as I have not heard a single thing from the Official Receiver – is that normal? Merry Christmas to you and all of your team at bankruptcy.co.uk. You really helped us through a bad time. 

Andrea

“I went through many different companies that put me off bankruptcy and through this I ended up in more debt, stress and trouble. At the time I was pregnant and dealing with considerable amounts of stress. When I first contacted yourselves, you made me feel welcome and did not make me feel stupid for the mistakes I had made. I found your staff to be very helpful and I found the information to be factual and not misleading. I did not understand my legal rights within the debt act but felt assured that I was doing the right thing. If it was not for your help I am not quite sure where I would be now.”

Roger

“Whereby other companies failed to answer even simple questions about my financial situation and others refused to help me altogether, you stated clearly from the very beginning, in writing, all the options available to me. Whenever my queries became more complex, my case officer did not hesitate to refer me to a manager or a higher up officer better placed to answer and everything without requiring any upfront fee. Therefore in my personal experience, I would not hesitate to recommend the services provided by you.”

Nichola & Paul

As you may be aware on the 22nd of January myself and my partner went to court to become bankrupt. The whole of the last eight years for us as a couple have been in debt, we have tried debt management and even considered an IVA, it was only after speaking to Bankruptcy.co.uk from your office that we felt we had enough information regarding both options as to decide what to do about our future. After you explained bankruptcy to us we felt that this was the way forward for us. The whole process set out by your company made it easy for us to start and complete the bankruptcy process, because as you are aware the forms could be in another language for all the sense that they made to me. I only had to fill in one form for myself and my partner and bankruptcy.co.uk did the rest. The whole process from the original enquiry to our court appearance couldn’t have been easier. I just wanted to take the time to thank you for all that you did for my partner and myself, in helping to deal with our debts you have given us a new lease of life, not having to worry as to how we are going to pay off our debts.

Lynn

I took the decision to call bankruptcy.co.uk last year as my IVA was financially crippling me. Right from the start I found bankruptcy.co.uk helpful, reassuring and positive. They handled all the paperwork and completely took the pressure off of me. I attended court in October last year, armed with the income and expenditure document, that they worked on for me, and everything went fine. I am now feeling much less stressed, can finally sort out my finances and look forward to a debt free future. I feel that bankruptcy.co.uk offers a valuable service and a lot of people, just like myself would be put in grave disadvantage without your help. I sincerely hope that my comments will help bankruptcy.co.uk as I feel you are a valuable organisation. 

Carrie-Anne

I went through many different companies that put me off bankruptcy and through this I ended up in more debt, stress and trouble. At the time I was pregnant and dealing with considerable amounts of stress. when I first contacted yourselves you made me feel welcome and did not make me feel stupid for the mistakes I had made. I found your staff to be very helpful and I found the information to be factual and not misleading. I did not understand my legal rights within the debt act but felt reassured I was doing the right thing. If it was not for your help I’m not quite sure where I would be now. Thankyou.

Tracey

Many thanks to you all at bankruptcy.co.uk for your help with my bankruptcy. Lovely to of met you. Best wishes to you all.

Hayley

I just wanted to drop you a line to say a huge “Thankyou” for all your help over the past few weeks with my debt problems. You have truly turned my life around at a time when I was in the deepest pit of despair, and well and truly at the end of my tether! Having attended the bankruptcy court on Tuesday having filed for bankruptcy I can finally breath a sigh of relief and the light at the end of the tunnel is now within grabbing distance. Completely different to the position I was in several weeks ago! I would certainly recommend your firm in the future. Your kind manner and reassurance is second to none! Best wishes.

Jason

I personally couldn’t fault bankruptcy.co.uk in any way shape or form for their bankruptcy service. They helped me through a very difficult period in my life. I had nothing but professional and quick help. Yours – A Very Satisfied Client.

Darren

To be totally honest, your advice to take the bankruptcy route was the best advice we could have been given. The whole process was conducted very professionally by bankruptcy.co.uk and our contact with the Official Receiver has been next to nothing. Both cases are being dealt with in different places. XXXXX’s in Leeds and mine in london. XXXXXX has just received notification that her case is due to be considered for early release, and apart from a delayed enquiry into my financial situation whereby they stated that I would be required to make a monthly payment to cover my loans (money order) I have had no further contact from them. The money order I disputed with them and had to go through all of my financial commitments again, i.e ins & outs etc. However I simply repeated what you guys would have presented in court, and where things had changed, amended accordingly. This appears to have been expected. We have obviously been careful with money, as the whole experience has put a new light on spending (not that we were compulsive spenders anyway!). As you may remember the main cause for our situation arising was due to being involved with some cowboy buidlers. So, the future looks much better for us, and for that we owe bankruptcy.co.uk a big thankyou. Merry Christmas and a Happy New Year P.S – I will still buy you a beer if you ever make it to this side of the world. It’s turning out to be a lovely summer.

Nichola

Just wanted to thank you all at bankruptcy.co.uk for helping me in making what is quite possibly the wisest decision I have made in years. I am feeling much happier than when I first approached you about the question of bankruptcy. I have learned that there is no “stigma” attached to going bankrupt anymore and most people are very helpful when they know you are in financial difficulty. I wake up in the morning now and instead of living in fear of the post I am planning what I’m going to do with my future, I feel that I am being honest now instead of hiding under a mountain of debt. The bankruptcy hearing went smoothly and I wasn’t made to feel a failure or an outcast, just a normal human being who had fallen into the credit trap. Bankruptcy really isn’t the end of the world, you helped me come to this understand and I thank you. If I can be of further help to anyone struggling to make the decision over bankruptcy don’t hesitate to contact me.

Maria
My own case was very straight forward but I did not wish to deal with bankruptcy myself. I was nervous about filling in the many forms correctly and felt totally out of my depth re the legislation in this area, it was such a comfort to be able to have support, guidance and a friendly voice on the phone! Making the decision to go bankrupt is not by any means an easy one, often before you even reach that decision point you have spent months if not years stressed and worried about finances, family and your home. Your service and support made a big difference in reducing my stress and anxiety levels, just knowing that someone friendly was at the end of the phone to answer any questions was a great help. You understood my concerns and worries and explained the process and what to expect at every stage helping to reduce my anxiety.
Jenny

To Bankruptcy.co.uk and the team that worked on my bankruptcy petition.   I would sincerely like to thank you all for guiding me and looking out for me during the last few months.  May these few words go a very long way.  May I take this opportunity to wish you all at bankruptcy.co.uk every success and good health. 

Linda

Dear Sean. Bankruptcy.co.uk helped me with my bankruptcy in September of 2008. I was at my wits end until I spoke to Michael and Adriena. They were so helpful and put my mind at ease. I am sure there are many people in a similar position needing help and guidance and your people can do this. Good luck. 

Maria

I found myself in major problems concerning debt about 4 years ago. I dealt with two companies – XXXXX and XXXXX (Sorry we felt we should blank out these names as we do not want to publicly slander any other debt companies) who put me on to a debt management plan and then into an IVA neither of which were to my advantage as I later found out. I began dealing with bankruptcy.co.uk in approximately March 2008 when it was pointed out that bankruptcy would have been a much more suitable option for me. I wish I had been told this 3-4 years earlier as such a lot of money and more importantly stress could have been avoided. I have been through the process with bankruptcy.co.uk, attended court in December 2008 and am now 2 months into my 12 months of being declared bankrupt. The assisted bankruptcy has been an almost painless process and the fear I once felt about being in debt, having to be declared bankrupt, attending court etc has now lifted and for the first time in years I feel like I can breathe properly again and look forward to the future.

Chris

First of all, I would like to thank all concerned at bankruptcy.co.uk for assisting me through this stressful and difficult period in time. I like many other people found it very worrying when faced with no other alternative but bankruptcy. I looked at all other avenues available to me, for fearing what bankruptcy entailed. After having several converstaions with your representative I explained my situation to him and my mind was put at ease. Everything was dealt with in a polite and professional manner and any queries that I had were dealt with both professionally and efficiently. Within no time at all my bankruptcy was dealt with and i was then able to carry on with a normal life without the fear of my creditors constantly hounding me. It has been money well spent to be relieved of the stress and worry with the knowledge and support of bankruptcy.co.uk. Once again many thanks.

Michelle

My own case was very straight forward but I did not wish to deal with bankruptcy myself; I was nervous about filling in the many forms correctly and felt totally out of my depth re the legislation in this area, it was such a comfort to be able to have support, guidance and a friendly voice on the phone! Making the decision to go bankrupt is not by any means an easy one, often before you even reach that decision point you have spent months if not years stressed and worried about finances, family and your home. Your service and support made a big difference in reducing my stress and anxiety levels, just knowing that someone friendly was at the end of the phone to answer any questions was a great help! It is nerve racking thinking about going through the bankruptcy process, scary even, official receivers, court dates, losing your home etc. Bankruptcy.co.uk understood my concerns and worries and explained the process and what to expect at every stage helping to reduce my anxiety. Good luck! I hope bankruptcy.co.uk lives on to support others in my situation!

Christine

Regards to your service when you did my bankruptcy, I found your service to be very good, your people were helpful, very kind and understanding, and everything went very well with your company doing my bankruptcy, I thank you for all you did. 

Chris

First of all, I would like to thank all concerned at bankruptcy.co.uk for assisting me through this stressful and difficult period in time. I like many other people found it very worrying when faced with no other alternative but bankruptcy. I looked at all other avenues available to me, for fearing what bankruptcy entailed. After having several converstaions with your representative I explained my situation to him and my mind was put at ease. Everything was dealt with in a polite and professional manner and any queries about my bankruptcy  were dealt with both professionally and efficiently. Within no time at all my bankruptcy was dealt with and i was then able to carry on with a normal life without the fear of my creditors constantly hounding me. It has been money well spent to be relieved of the stress and worry with the knowledge and support of bankruptcy.co.uk. Once again many thanks.

Bennie

Further to our conversation last week, I wanted to thankyou for all your assistance through this difficult time. Right from the start everything was explained clearly for me to understand and there were no hidden costs or suprises. Bankruptcy.co.uk really have been there every step of the way and have always taken the time to answer any questions I have reliably and promptly. Again many thanks for your assistance. I am so relieved that I can finally start my life again.

Lynn

Bankruptcy.co.uk thank you so much for helping me out with my finances. It has been a great help. I will advise people I know in the same difficulties to contact you so they will get the same care and help as I did. Thankyou. 

Client Feedback On Our Assisted Bankruptcy Service

  • We Listen And Understand 95%
  • We Do Not Judge 97%
  • We Are Sympathetic 98%
  • We Are Helpful & Informative 99%
  • We Deliver On What We Promise 100%

We Want To Help You. Get In Touch Today


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Number Of Years Helping Clients Obtain Financial Freedom

Number Of Successful Bankruptcy Petitions Filed

Number Of Positive Testimonials Received From Clients

Approximate Total Of Debts Written Off By Bankruptcy.co.uk (In Millions)


Is Bankruptcy Right For You? Speak To One Of Our Consultants Today To Find Out


Want To Know More About Bankruptcy.co.uk?

Bankruptcy.co.uk are the UK’s leading independent bankruptcy advice providers of personal and commercial bankruptcy advice. No matter how complex or unique your case might be – 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 provide a revolutionary service to UK clients that cannot and will not find debt solutions like ours anywhere else. We listen very carefully to what you are saying and wherever we can will try our level best to solve the problem.

Bankruptcy is often seen as the fastest way out of debt. It is an excellent facility for resolving impossible situations and can create a complete rebirth of your financial situation. You do however need the right advice on bankruptcy to ensure the best results. Once bankrupt, you come under the protection of the court and your creditors can no longer pursue you. Bankruptcy.co.uk are specialists in listening, understanding your situation and then providing you with positive solutions to your situation. Everything is confidential and you are under no obligation to use our services. 

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Our bankruptcy advisers do not use scripts and that means they listen very carefully to what you are saying. We are mature, fast and efficient bankruptcy advice specialists. There isn’t much our advisers haven’t seen or experienced and they know how to overcome a wide range of problems. Once they have spoken to you, everything discussed is confirmed in an email within the hour. We aim to respond to a call back request within 10 minutes. On the other hand, if you call us on 01425 600129 you can speak to us straight away. We provide an initial free review to gain an understanding of your circumstances. At that point we can offer you assistance with proceeding with bankruptcy and will guide you through the process step-by-step and complete 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. Something unique to this company is ‘Post Bankruptcy Advice‘, something which has become particularly important in recent times. There are a number of ways individuals can ‘trip up’ in bankruptcy, especially when the case reaches the Official Receiver’s Office. We will actively contest any decision which we feel is unfair and this is something few people know how to do, or might feel too intimidated to do. We have no such problem and have overturned many decisions. Once we have your information, we can complete the entire process with 72 hours of you first contacting us. On the other hand, if you don’t have the funds for completing the bankruptcy process, we will gladly set up a payment plan for you and protect you from your creditors all the while.
 


If I Speak To Bankruptcy.co.uk – What Can I Expect?

Step One - Your Consultation
This is where you will speak to a bankruptcy.co.uk consultant. The conversation will take approximately 30 minutes. In this time you really do have to be as open and honest as possible. Without knowing your entire situation we can’t give you the best advice. Most of our clients find this actually quite therapeutic as probably for the first time you have the chance to speak with someone in total honesty about your situation without being judged. Your consultant will complete a summary of your full circumstances which we are happy to email you at the end of the phone call.
Step Two - Discussing Your Options
Bankruptcy is only one of many debt solutions that can give you power and control over your financial situation. Your consultants job is to identify which debt solutions are viable for your situation. At this stage a recommendation will be made – however full choice and autonomy over your future remains with you. In most cases Bankruptcy is the advised solution as it involves the least repayments and ultimately leads to financial freedom far faster than other solutions. However you will be able to choose which option you feel suits you best and move forward in a position of power and control.
Step Three - Making Decisions For Your Future
Bankruptcy is a free service – we do however provide a charged assisted bankruptcy service where we take care of all aspects of your bankruptcy for you. At this stage you will discuss with your consultant the pro’s/cons of an assisted bankruptcy (or other debt solution) and make a decision on whether or not you want our help. We  believe completely that our service is priceless. After years of worry you really can’t put a price on peace of mind.
Step Four - Beginning The Journey
If you decide to use our services – we will then send you an information pack that you will need to complete and return to us. Included in this pack is a document that gives us the power to manage your creditors. Within days the anonymous phonecalls will stop – the threatening letters will end and for the first time your home will have complete peace. At this stage you simply have to save for your court fees, and Bankruptcy.co.uk will do the rest. We complete your bankruptcy petition, manage your creditors, and in some cases will even come to the court with you on the day of your bankruptcy.
Step Five - We're With You Every Step Of The Way
Once bankrupt you really are at a point where you have risen from the ashes and the world once again is your oyster. However there may come times where you worry about your future or have questions about your situation after your bankruptcy. We are always there to help and will give you positivity and help whenever you need it.