Personal Insolvency & Bankruptcy

Our approach enables individuals to restructure their personal financial arrangements and move on from difficult times, whilst also maximising the returns to creditors.

We work in consultation with people who as individuals, sole traders or those in partnerships are experiencing financial difficulty as a result of either debt or personal guarantee.

We commence by gaining a thorough understanding of their specific circumstances including the extent and nature of their debt and what access they may have to future income streams, sources of funding and assets.

This leads to the development of realistic strategies that suit the circumstances and enable the individuals involved to best deal with their situation, whilst also ensuring the best possible outcome for creditors. This could involve a restructuring of their affairs, the contribution of part of their future income stream on terms accepted by creditors or bankruptcy.