Our Services

Most of us experience financial difficulty as some point in our lives. It’s important to take early action to stop your debts getting out of control.

PERSONAL DEBT OPTIONS

Options in this area are Debt Management, IVA and Bankruptcy and the newly introduced DRO.

On commencement, we help you understand your current position by helping you to prepare:- A list of debts, amounts and to whom Details of any property, mortgage and further borrowing Your personal and household income, after tax Your household expenditure, (your basic living costs) A list of “priority debts” – council tax, utilities etc.

With this information we’ll make a recommendation on what options are available, and either offer to assist or pass you details of other organisations who may be more appropriate to your circumstances.

BUSINESS DEBT OPTIONS

If you are the director of a limited company, you carry legal obligations to deal with creditors in a responsible manner, maximising their interests. Should a director believe that a business is insolvent, his/her first responsibility is to care for creditors’ interests, not those of shareholders.

Our clients find themselves normally facing difficulties when faced with creditors such as:

• The banks
• Inland revenue
• Trade creditors
• VAT
• Statutory demand or winding up petition
• County Court judgment issued against you

We offer expert advice on how best to deal with creditors and the best course of action so that you can plan ahead.

We are unique in our approach as we hold a discussion with our clients before making any recommendations.

Once we have presented the options we act quickly and efficiently.  We will lead you through the stressful process with ease and guide you through the whole process.

Directors are under a lot of pressure to make the right decisions and this is even more stressful when the company is in financial difficulty.

Your business will have more options if you act quickly.