Bankruptcy & Personal Debt Advice
Call Us: 0151 909 5862

Welcome to Kealey Consulting

Bankruptcy and personal insolvency solutions across Liverpool, Merseyside and beyond.

Whether you are a sole trader, in a partnership or without a business we can help. Based in Liverpool, we work right across England and Wales helping financially distressed individuals find relief from the pressures of personal debt.

“I was deep in debt and fearful of losing my house and job. Kealey Consulting have helped me get free from debt AND save my family home too”
-TS, Wirral

PERSONAL DEBT

Sole Trader

Sole traders fear personal liability for their debts. A variety of options are available for individuals and professional advice should be taken at the earliest opportunity. Being insolvent does not necessarily mean you must close your business. If the business remains viable, solutions are available that will allow a rescheduling of debt repayments.

Partnership

If the business remains viable a Partnership Voluntary Arrangement would allow you to carry on trading and make payments from future trading. Separate IVA’s may also be necessary. If the partnership can’t carry on, a partnership liquidation may be necessary. For some, an administration order might be better.

Company Director

Company directors are not necessarily free from worries and concerns about personal debt. Perhaps you have been caught by a personal guarantee or are concerned about personal liability for a company tax debt. You might be concerned about the impact of bankruptcy on your directorship. Seeking professional advice in these situations is critical.

Consumer Debt

A range of solutions are available depending on your circumstances. If bankruptcy is appropriate we can guide you through the process.

An Individual Voluntary Arrangement (IVA) may be better if you have income and are concerned about your home. If your debts are small and you have few or no assets other options are available.

Bankruptcy

Bankruptcy is always the option of last resort. Only after careful evaluation of alternatives should bankruptcy be considered. If alternative solutions are not suitable and bankruptcy is necessary, it is important to be fully appraised about how bankruptcy will affect you.

IVA

An IVA is generally considered to be the main alternative to bankruptcy. It is nevertheless a major commitment to enter into. An Individual Voluntary Arrangement lasts for 5 years and usually involves monthly payments from income over the 60 month period.

PVA

Partnership insolvency is a complex area and it is strongly recommended that you seek professional advice as soon as you realise you have a problem. A partnership voluntary arrangement can be implemented alongside separate IVAs where necessary.

Debt Relief Order

Debt Relief Orders can be a great option in some circumstances and offer relief from debt without the more serious consequences of bankruptcy or the long commitment of an IVA. The criteria under which DROs can be entered into though are strict.

When you call you will speak directly with an experienced bankruptcy and personal insolvency professional!

When looking for advice, make sure you are talking with an experienced insolvency professional and not an intermediary who will charge you a fee before passing you over to an insolvency advisor.

0151 909 5862

enquiries@kealeyconsulting.co.uk

 

No matter where you are, or what problems you have, we can help. If you are a sole trader, in a partnership, or a company director, call us today.
Home February 23, 2016

Address

Park Court, 1 Alexandra Drive Liverpool L17 8TA
Phone: 0151 909 5862
Website: http://www.kealeyconsulting.co.uk
Email: enquiries@kealeyconsulting.co.uk

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0151 909 5862Kealey Consulting

Kealey Consulting

Bankruptcy assistance nationwide

enquiries@kealeyconsulting.co.uk