Personal Insolvency

If you are an individual who is experiencing financial difficulties, perhaps with pressing credit card debts or other unsecured loan obligations, then we can help, as there are options available:

• Individual Voluntary Arrangement
• Bankruptcy
• Informal solutions

You may however be a self-employed individual with a business of your own.  Businesses of any size can experience problems, but it is often the smaller traders operating on their own account that trading problems can affect the most.  Even so, appropriate options include:

• Business Rescue
• Individual Voluntary Arrangement
• Bankruptcy
• Informal solutions

We are able to give you an honest and confidential appraisal of your situation, with details of the options that may be available to you.

Useful Documents

• The R3's guide - "Is a Voluntary Arrangement Right for Me?"
• A Creditors' Guide to Fees Charged by Trustees in Bankruptcy
• Voluntary Arrangements - A Creditors' Guide to Insolvency Practitioners' Fees

Contact Details

• Graham Stuart-Harris, Consultant: graham.stuart-harris@bhp.co.uk
• Gareth Peckett, Head of Corporate Recovery and Insolvency: gareth.peckett@bhp.co.uk
• Oliver Adams: oliver.adams@bhp.co.uk

Telephone: 0114 266 7171