Debt Freedom in 12 months

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

Pay back less than you owe

Creditors have to accept less money than is owed. They have no choice other than to accept your bankruptcy.

Better Now Than Later

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

Keep Your Home

If you’re a homeowner we can help prevent the loss of your home and any equity you have.

Debt Free In 12 months

All unsecured debts written off

Pay back less than you owe

Gives you a fresh start

You may be able to Stop Paying Creditors Today

Use our Bankruptcy Eligibility Checker to see if declaring bankruptcy could be the right option for you.

Bankruptcy – Start Your Analysis

debt bankruptcy

We don’t judge. We are open, honest and helpful. We’ll help you decide if declaring yourself bankrupt is your best option.

Is Bankruptcy Right For Me?

Bankruptcy may be best for you if you can’t see how you can ever repay your debts

Free Online Bankruptcy Eligibility Check

Use our free bankruptcy eligibility check to see if declaring bankruptcy could be the best option for you.

Free Help & Information

We’ll answer your questions to help you decide if declaring yourself bankrupt is in your best interests.

Full Detailed Assessment

We'll provide a detailed assessment based on your personal circumstances, making sure there are no unexpected implications.

Stop Creditor Pressure

Are you being harassed by chasing letters, and phone calls, have you had debt collectors or bailiffs at your door? We can help protect you from any further creditor action.

Keep Your Home

If you’re a home owner then we can help prevent the loss of your home and any equity you have.

Do I Qualify For Alternatives?

We'll check, explaining the pros & cons of each, helping you make an informed decision on the course of action to take.

Debt You Can Include

Most debts can be included in a formal solution


Credit Cards


Unsecured Personal Loans


Payday and Doorstep Loans


Overdrafts


CCJ Debts


Catalogue Debts


Council Tax Arrears


Gas, electric & water arrears

Some debts cannot be included in bankruptcy, such as court fines, child maintenance arrears and student loans. Secured creditors can still take action against you. If you have surplus income, you will be expected to make contributions towards the bankruptcy for 36 months.

Important: Bankruptcy is a serious matter with some severe consequences. See View Important Considerations to be taken into account before applying for or allowing yourself to become bankrupt.