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Stop Creditor Payments Today

We offer confidential, sympathetic information and help for people who are considering going bankrupt.

Our team can help to answer any question about bankruptcy, just get in touch.

We can assess your situation, provide information on bankruptcy and help you understand the steps to going bankrupt. Formal debt solutions may not be suitable for every circumstance. Fees may apply and your credit rating may be affected.

“You’re not alone, our friendly staff help people in similar situations to yours every week.”

If bankruptcy is unavoidable, the longer it is delayed the worse your financial position is likely to become.

Is bankruptcy right for me?


Bankruptcy Benefits


Bankruptcy often lasts for only 12 months in total.

Legal Protection

Once approved, creditors can no longer proceed with legal action against you.

Peace of Mind

Creditors are no longer able to contact you regarding your debts.

Interest & Charges

Interest and charges are frozen once the bankruptcy application has been approved.

A Definitive Outcome

Most people are discharged from bankruptcy after 12 months at which point all included debts are written off, giving a fresh start.

Bankruptcy Considerations


If you own a home or possessions of significant value, these items could be sold to help repay your debts.


There is an application fee of £680, although this can be paid in installments.


You could be asked to make payments towards your debts for a period of up to 3 years.

Credit Rating

Bankruptcy will be recorded and have a negative impact on your credit file for a period of 6 years.

Public Register

Your personal details will be recorded on the Insolvency Register which is a public record.


Bankruptcy may impact your employment; therefore, you should always check the terms of your employment contract before making an application. You are also unable to be a company director unless you have permission from the court.

If you wish to see if you are eligible for Bankruptcy, our expert team of Advisors are here to help.

Debts you can include in a formal solution


Credit Cards

Credit Contracts



Payday Loans

Personal Loans

Store Credit

Money Helper (formerly The Money Advice Service) is a free service set up by the Government to help people make the most of their money. If you would like to learn more click here. is not regulated and is for fact-finding only. We can help assess your circumstances and point you to someone who can provide available options that suit your debt criteria.

If an individual meets the required criteria for an IVA based on our packaged case, this will be passed to one of our partnering Insolvency Practitioners to get direct advice. If the individual does not meet the criteria for an IVA, The Insolvency practitioner is able to provide contact information for other third-party organisations that offer advice on other available debt solutions. For full details view our Privacy Policy.

If you decide that an IVA (Individual Voluntary Agreement) is not the best option for you after we have prepared the necessary information, you can opt out of the process and have all of your details removed. We receive a fee from the third party that we refer you to for introducing you and for the work we have completed. However, you will not be responsible for paying this fee. The third party will contact you directly to continue the process of your IVA application or to explore other solutions, but only with your permission after we have introduced you.