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Personal Guarantee – I’ve received a Statutory Demand!

June 18, 2019

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 proceedings. Bankruptcy Petitions will be…

Who the hell are Bell & Company?

June 17, 2019

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 and Ireland who need assistance…

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

June 7, 2019

A client had personal guarantee exposure of £6.5million after their business failed. He approached us with the threat of Bankruptcy looming over him. The Client had lived with this spectre of debt since the 2008 crash and could see no way out. He hadn’t heard from his Bank in several years and had hoped, in vain, that the debt had…

Personal Guarantees are Evil

June 6, 2019

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 stage…. Basically, it is a…

A Guide to a Directors Personal Guarantee

April 10, 2019

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 responsible for the repayment. A…

A Guide to Negative Equity

March 8, 2019

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 doesn’t have to. Negative equity…

Negotiating with Creditors

February 4, 2019

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 lender and borrower. Furthermore, the…

Negative Equity Solutions

January 10, 2019

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, taking a huge loss of…

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