0161 228 3028

0161 228 2335

Individual solutions for individual problems


Unlike many debt management and IVA factories that advertise nationally, we don’t believe in a ‘one size fits all’ approach to helping people improve their financial situation.

Whether it’s through the loss of a job or contract, the breakdown of a personal relationship or bereavement, an increasing number of us have had cause to worry about our personal finances. In this stressful situation you need sound, practical advice to help you face your financial problems and look to the future.

As a firm of licensed Insolvency Practitioners, we have helped many people overcome personal debt problems. We always consider each case on its own merits and provide a tailor-made overview of the best options available to you.


Your debt-free future starts with a telephone call. An initial conversation with one of our Partners or managers will tell us if and how we can help you. If we can help we will arrange a meeting, free of charge and with no obligation.


There are a number of solutions available to you:


Debt Consolidation

We work closely with other agencies with specialist expertise in brokering remortgages and secured loans for people in positions of debt. In some instances a debt problem can be resolved by consolidating loans, however, we will always take your individual circumstances into account to make sure this is the right solution for you.


Informal Agreements

In certain situations, for example if you have less than three creditors, it may not be necessary to enter into an IVA. We have experience in negotiating these informal agreements with your creditors.


Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement is an alternative option to bankruptcy and is normally structured around an affordable monthly payment over a 60-month period. This results in a better return to creditors than if you had gone bankrupt.

Any IVA proposal must be approved by 75% of voting creditors before it can be implemented, but once approved all creditors are bound by it.

Once an IVA is in place, it will immediately reduce the stress you and your family have been under and, in most cases, will ensure you keep your family home and other personal effects.



Bankruptcy proceedings allow you to make a completely fresh start by freeing you from any outstanding debts. However, you may be required to dispose of some personal assets or realise the equity in your house to help repay creditors.

To discuss your best options and take a positive step towards your debt-free future,

contact us on 0161 228 3028.