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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 of SME debt pressure. Sometimes people in paid employment look jealously at business owners looking at them as privileged, lucky and obviously loaded. Examples of comments are: ‘Look at the car’. (In reality, it’s financed to the…

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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, if managed with meaningful, professional engagement can be dealt with. Statutory Demand? If a Statutory Demand is ignored or the wrong representation is made, the situation can quickly deteriorate. Moreover, a Statutory Demand will lead to Bankruptcy…

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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 or business debt. We provided individual, tailored solutions specific to the individuals’ needs. Our advice is impartial, fair and always in the best interest of our clients. Our team works with individuals and businesses across the UK…

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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 Guarantee is used to protect the lenders and financial institutions when providing a loan or lease. When signed by the company director, a Personal Guarantee waives the limited liability of the company during the debt recovery…

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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 provided loans to companies. But, banks often required that the directors of these businesses sign an agreement, A Personal Guarantee. If the company is unable to repay these loans, the signer, or guarantor, would be personally…

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What is a Zombie Company?

what is a zombie company?

    What is a zombie company? A zombie company is simply a company that is neither dead or alive. In other words, the company is so overwhelmed by debt that any cash generated, is being used to pay off the interest on the debt owed to creditors. In many cases, the debt is not…

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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 equity and what does it mean if you find yourself hearing those dreaded words? Since the recession, the term has become commonplace. The mere mention of negative equity can fill homeowners with fear and confusion. But, it…

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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 various criteria that must be met. One thing we do advise is being proactive. Liaising regularly and amicably with your creditors will aid the negotiating process. However, creditors often pursue cases aggressively, leading to hostility between…

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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. The Guardian reported that a couple from Northern Ireland paid c£700,000, for a luxury home when the property market was at its peak. After being struck with the recession they were forced to sell their home,…

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