Financial hardship can happen to anyone. A failed business, unexpected illness, relationship breakdown, or job loss can leave you facing debts you cannot repay. If you're overwhelmed, know this: you have options. Our Bankruptcy & Insolvency Division provides honest, non-judgmental advice on all aspects of personal insolvency — in plain English, so you can make the right decision for you and your family.
Our Bankruptcy Services
Personal Bankruptcy Advice
Bankruptcy is not the end — for many, it's a fresh start. We explain exactly what voluntary bankruptcy means: what assets you keep, what debts are discharged, how it affects your future.
Part 9 Debt Agreements
A formal, legally binding agreement to repay a portion of what you owe over time — without going bankrupt. We assess your eligibility and structure a proposal your creditors are likely to accept.
Part 10 Personal Insolvency Agreements
For higher-income individuals or complex affairs — a flexible, negotiated arrangement with creditors, often preserving assets and avoiding bankruptcy.
Creditor Negotiations
Before formal insolvency options, we negotiate directly with your creditors to reach payment arrangements or debt reductions.
Director Duties & Company Insolvency
Advising directors of financially troubled companies on their duties, insolvent trading liability, and options available to the company.
Bankruptcy Annulment
If circumstances have changed since you were made bankrupt, it may be possible to annul (cancel) the bankruptcy. We advise on eligibility.
Frequently Asked Questions
Ready to speak with our Bankruptcy Division?
Start with a free 15-minute phone call — no obligation, no cost.