Bankruptcy: Home and Assets At Risk?

For many, losing their family home is their worst fear. If you enter Bankruptcy, your assets are put at...

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Is Bankruptcy The Right Option For Me?

The word bankruptcy fills most people with feelings of dread. It is hard to deny the fact that the...

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Bankruptcy Timeline: From Application to Discharge

Most people know what Bankruptcy is however, there is often more than meets the eye and not all cases...

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Loan Sales: Should You Be Worried?

Funding Circle, the ‘alternative lending’ platform has made headlines for selling 1900 Personally Guaranteed Loans to a large debt...

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Commercial Leases: What Are Your Options?

Updated 17th June 2021: The UK Government has extended the commercial eviction ban until 25th March 2021. The government...

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Toxic Mix of SME Debt – The Here and Now

With the advent of FinTech/ Peer-to-Peer facilities, who brilliantly filled the gap vacated by the Big Four, SME finance...

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CBILS AND BBLS – Everything You need to Know

As we all limp back out of ‘Lockdown 3’, businesses of all shapes and sizes face challenges. Some will...

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Bankruptcy

THE B WORD…BANKRUPTCY. Nobody ever wants to go bankrupt, but we need to understand the basic premise of Bankruptcy...

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Trustee Negotiations In Bankruptcy

Trustee Negotiations are tough. At Bell & Company, we specialize in this niche area of work assisting those people...

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Bell & Company Announcement – Book Release

AS WE ALL KNOW MANY BUSINESSES WILL STRUGGLE WITH THE FORTHCOMING RECESSION Bell & Company Announcement – Book Release...

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Debt Chasers – Our Perspective

An opportunity you say? Up until Lockdown 1, creditors were if anything stepping up their action as the economy...

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Debt Problem – Opportunity you say – What!?

Since Lockdown 1, we have seen some creditors take a more realistic approach with respect to their demands and...

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NSPCC NI Fundraising Challenge – The Power of 4

The Power of 4 Belfast-based Debt Strategists, Bell & Company, are taking part in an intriguing Fundraising Challenge –...

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Property FRI Leases

The principal reason for securing a CVA allows these ‘mega-retailers’ to excuse themselves of onerous property FRI leases. Obviously,...

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V-Shaped Recovery?

After Rishi’s summer statement, the public borrowing has now reached £350bn. Everyone knows a recession is here and redundancies...

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Rising Risk | P2P Finance News Interview

Our Chairman, Terry Bell, talks to Marc Shoffman, a Journalist who writes for P2P Finance News https://www.p2pfinancenews.co.uk/2020/07/03/rising-risks/ about the...

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LIMITED COMPANY FAILING? – EXPOSURE?

Before we start this blog on ‘Limited Company Failing – What’s my personal Exposure?’, we are pleased to announce...

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Are Directors personally liable for company debts?

Directors Personal Guarantee Are Directors personally liable for company debts? To begin with, at the height of the business...

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PEER 2 PEER LENDING PRESSURE

HERE THEY COME – PEER 2 PEER LENDING PRESSURE. We are hearing from more and more businesses with Peer...

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ASSET FINANCE FOR GYMS – OVER BORROWED?

NOBODY BUT NOBODY SAW COVID-19 COMING. ASSET FINANCE FOR GYMS – OVER BORROWED? Its effect on all businesses, as...

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PROPERTY LEASE ISSUES

Property Lease Issues – If a business is having issues and the property lease is in a personal name...

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Business Planning During Coronavirus Pandemic

PART 1 OF COVID-19 PANDEMIC & PLANNING ABOVE…INCASE YOU MISSED IT. Further to my video this morning – knowingly...

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BAD DEBTS – CASH FLOW PROBLEMS

Bad debts can very often cause a perfect storm for any SME business owner, especially those which are totally...

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Trade Creditor Pressure

This week we are discussing Trade Creditor Pressure. So far in our series of blogs, we have covered the...

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Dispute Resolutions – How we Help.

We work with a diverse clientele base on dispute resolutions, who sometimes find themselves in disputes and conflicts regarding:...

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Peer to Peer Issues – Again? We Will Speak Out

We at Bell & Company are seeing more and more enquiries from SMEs struggling with the weight of various...

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Debt…The Opera Singer

The keys, as we always tell prospective clients approaching us embroiled in a debt spiral are: Know the Worst...

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Not the sexiest start to 2020.

Not the sexiest start to 2020. *An excellent book by Niall Harbison So now we are all back at...

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Deals with HMRC

The key is to understand deals with HMRC and speak to our friends at HMRC to see what they...

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SME DEBT PRESSURE – HELP THE OWNER

  Being an entrepreneur or business owner can be very lonely, especially when the business comes under any form...

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Personal Guarantee – I’ve received a Statutory Demand!

  Personal Guarantee – I’ve received a Statutory Demand! A call on a Personal Guarantee can be stressful. Although,...

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Who the hell are Bell & Company?

  Who the hell are Bell & Company? At Bell & Company, we help People who are experiencing personal...

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£6.5million Personal Guarantee exposure settled at £175,000

A client had personal guarantee exposure of £6.5million after their business failed. He approached us with the threat of...

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Personal Guarantees are Evil

A Personal Guarantee is used by the lender or financial institution to secure a loan or lease.  A Personal...

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A Guide to a Directors Personal Guarantee

What is a personal guarantee? Why would I need one? At the height of the business boom, banks frequently...

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What is a Zombie Company?

    What is a zombie company? A zombie company is simply a company that is neither dead or...

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A Guide to Negative Equity

  What is Negative Equity? ‘Negative equity’ is a term no homeowner wants to hear. But, what is negative...

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Negotiating with Creditors

Negotiating with Creditors. No creditor/debt collection agency are the same. They often have different processes and protocols along with...

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Negative Equity Solutions

Across Ireland, Northern Ireland and the rest of the UK, homeowners are as vulnerable as ever to negative equity....

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Personal Liability and Busines Debts

A question that many will ask as their business begins to fail is… “Am I Personally Liable for my...

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Mental Health and Debt – The Worst

Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one...

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FRI leases supported by Personal Guarantees- Evil, Evil

                  “If a business is struggling and the lease is supported...

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The misconceptions of Bankruptcy Exposed

Bankruptcy, the “B” word, is feared by many. This is often as a result of uninformed misconceptions. There is...

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My debt has been passed to a third-party debt collection agency, what does this mean?

You may have received a letter from your lender to advise you that they ‘have transferred your debt to...

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4 REASONS WHY you should appoint an Intermediary

  A question we often hear from potential clients in their initial consultation is why can’t I do this...

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Liquidator of a Company – Do I have Personal exposure?

The failure of any company is distressing enough, and all company debts would be dealt within the liquidator’s work....

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Personal Guarantee – Now I’ve received a Statutory Demand!

Personal Guarantee A call on a personal guarantee can be very stressful but it may be managed with meaningful,...

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Retail World – FRI leases, the devil’s spawn

Retail World – FRI leases, the devil’s spawn   We hear on a weekly basis, at the moment, of...

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Personal Guarantees – IS MY HOME AT RISK?

Personal Guarantees – IS MY HOME AT RISK? Personal guarantees are a scourge on entrepreneurial life which very often...

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Will I Lose My Home in Bankruptcy?

Will I Lose My Home in Bankruptcy? The Fear What’s the biggest fear about bankruptcy or personal insolvency? Ask...

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The Benefits of Debt Strategists

WHAT ARE DEBT STRATEGISTS Debt strategist might sound like the job title of the bulge-bracket merchant banker in the...

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We are FINALISTS!

The team at Bell & Company are delighted to announce they have again been shortlisted as finalists in the...

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Out with the old, in with the new!

Out with the old, in with the new! From April 4th, we will be operating from our new Arthur...

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Don’t let your PRIDE get in the way of your FUTURE!

The word bankruptcy tends to fill most people with feelings of dread. It’s hard to deny the fact that...

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How loan sales and vulture funds could result in thousands of people losing their homes

A financial advisory company that specializes in dealing with personal and professional insolvency is warning how a state bank’s...

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Are you sitting on a mortgage time bomb?

Are you sitting on a mortgage time bomb? Currently, owning your own property is a luxury that many people...

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Do you recognise the signs of Corporate Insolvency?

Do you recognise the signs of Corporate Insolvency? Running your own business is both stressful and time-consuming and as...

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What caused the Carillion collapse?

If you follow the news you’ll probably be aware of the Carillion collapse, which has resulted in the UK’s...

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Debt Strategy experts Bell & Company weigh in on the insolvency figures from 2017 and consider what 2018 may have in store.

With the New Year just starting, Bell & Company, are keen to decipher the insolvency figures from 2017, and consider...

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Implementing your New Year’s Resolutions

With 2018 in full swing, many of us are focussing on staying on track when it comes to achieving...

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Insolvency at a Corporate Level

Insolvency at a Corporate Level If you own your own company, the word insolvency is unlikely to be one...

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The Positives of Bankruptcy

The Positives of Bankruptcy The word bankruptcy tends to fill most people with feelings of dread. It’s hard to...

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What’s the best course of action when you are facing negative equity?

If you are dealing with negative equity, it’s likely that you are worried about what the future will hold...

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What does the Autumn Budget mean for house prices?

What does the Autumn Budget mean for house prices? As soon as the budget is introduced, most people are...

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Bell & Company urges caution for RBS and Barclays customers

Bell & Co urges caution for RBS and Barclays customers after banks were recently exposed by stress tests It’s...

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We look back on 2017

Bell & Company reminisce about the year that has passed… 2017 has been a mammoth year for the team here...

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Mammoth overall savings of 92%!

Our client approached us with a crystalized debt of over £150,000, owed to a huge banking institution in the...

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Bell & Company prove benefits of great business relationships

Bell & Company were recently able to assist a young couple with 2 young children facing eviction from the...

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What could a Labour victory mean for the UK economy?

What could a Labour victory mean for the UK economy? While Labour missed out on a majority vote in...

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How does the rise in interest rates affect you?

How does the rise in interest rates affect you? It came as a surprise to many when The Bank...

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The professions most likely to fall into debt

Anyone, regardless of their job, years of experience, age or financial situation can fall into debt. This can be...

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How you can beat debt

How you can beat debt Debt is a problem that affects millions of people all over the world. In...

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We look back at the Belfast Business Awards

As we near the end of 2017, we reminisce about Bell & Company’s success at the Belfast Business Awards....

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Are the banks still lending too much?

The global financial crash of 2008 is widely considered to have been the worst financial crisis since The Great...

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Will property costs in the UK continue to rise?

Property costs in the UK For many of us, property prices are simply too high. A sizeable majority of...

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First-time investor left with large shortfall

Bell & Company were contacted by a first time investor who had been left in negative equity on his...

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‘Buy-to-Let’ property stress

Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding...

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The debt hotspots of the UK

Debt hotspots Debt is a problem that’s plaguing the whole of the UK. In fact, household debt across the...

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A couple helped out of huge shortfall after their separation

A former couple had been under the weight of a huge shortfall of over £105,000. They were both trying...

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The dangers of an interest-only mortgage

Have you been enticed by an interest-only loan or mortgage? An interest-only mortgage may initially seem like a brilliant...

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Despite difficult lender, a 10% settlement can be achieved

A settlement of 10% can still be achieved, even when faced with a difficult lender A couple with a...

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English ‘buy to let’ case settled within 5 months

A young man based in England approached our company regarding an unsustainable ‘buy to let’ property he owned. After...

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Finance professional avoids Bankruptcy

Bell and Company recently assisted a professional to avoid Bankruptcy Our client, who happened to be a professional in...

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A young couple caught up in the Recession

A young couple found themselves caught up in the Recession, financial downturn of 2007, have a look at their...

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Why we should think before taking out Credit Cards

Why you should think before you pick up the plastic UK consumers are using credit cards, debit and charge...

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Mortgage debt settlement at 4%

Mortgage debt settlement at 4% An older gentleman had come to us with a second property that had fallen...

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No company is too big to fail!

Why do many large companies view themselves as being “too big to fail”? Huge businesses turning over hundreds of thousands...

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Businesses Must Have A Brexit Strategy

  Businesses must have a Brexit strategy Mid last year the UK took the momentous decision to leave the...

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Why are people in the UK so in debt?

A recent report has revealed that the UK is one of the most indebted countries in the world, with...

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The Recession, ten years on: how are we affected?

The recession, ten years on: how are we affected? The recession began as just another financial crisis on Wall...

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Do I have to tell my employer that I’m in debt?

Do I have to tell my employer that I’m in debt? There is no hard and strict rule that...

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A Guide to Personal Debt Collection in England

Personal debt collection in England If you or your business is facing insolvency, you might be worried about bailiffs...

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Will I lose my job if I go bankrupt?

Will I lose my job if I go bankrupt?   Declaring bankruptcy is not an easy step, but unfortunately,...

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A Guide to Director’s Personal Guarantees

  A Guide to Director’s Personal Guarantees What is a personal guarantee? Why would I need one? At the...

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Insolvency – What to do when the worst happens

Insolvency – What to do when the worst happens: If your business is facing insolvency, it can seem like...

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A Complete Guide to Negative Equity

The term ‘negative equity’ is one no homeowner wants to hear. But what is negative equity and what does...

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Negative Equity – Mortgage Shortfall Success

Negative Equity Settlement. Our successful settlement this week comes from Northern Ireland where the property is based in an...

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Celebrating award-winning customer service ‘going the extra mile’ for clients

On Friday 26th May  2017,  Bell and company were crowned winners of Customer Service Excellence, Professional Business Service in the...

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Company Insolvency – Can I be pursued for the debts of my Business?

A simple answer for this is yes if you have signed a personal guarantee on any loans for a...

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Bell & Company recognised for excellence in customer service

The team at Bell & Company are delighted to announce that they have been shortlisted as finalists in the...

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