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We pride ourselves on providing options for our clients who at times, find it hard to make informed decisions when burdened with property debt.


The team at Bell and Company have a highly specialised team who deal with all aspects of Property Debt Issues in particular; Negative Equity issues. We pride ourselves on providing options for our clients who at times, find it hard to make informed decisions when burdened with property debt.

We work with all financial institutions in a way that looks to positively resolve the situation for our Client and this in turn invariably is the best outcome for lenders and creditors.

We have developed an excellent team who understand the circumstances borrowers find themselves in. We empathise with their situation, and together with our detailed knowledge of how each lender operates, the team can offer independent advice tailored to the client’s situation. Bell & Company are proud of the savings and settlements we achieve on a regular basis for our clients allowing them to move on with their lives. 


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We specialise many areas of Property Debt Issues including:

  • Negative Equity on Residential Properties
  • Negative Equity on Buy-To- Let Portfolios
  • Commercial Borrowings
  • Negative Equity on Foreign Property including Spain, Portugal, Cyprus, Bulgaria and further afield
  • Individual & Company Property Portfolios


  • Formulation of tailored strategies for negative equity situations
  • Residential and Buy to let property portfolios
  • Bank/lender negotiations
  • Creditor negotiations
  • Property debt across Europe including Spain, Cyprus, Portugal and Bulgaria
  • Unfinished developments & lost, ‘Off-Plan’ deposits paid in Spain
  • Design & management of insolvency strategies
  • Pre Insolvency alternatives- Full and final settlement
  • Asset protection


July 11, 2019

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!
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…

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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…

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£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…

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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…

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Small Business Personal Guarantee of £50,000 settled for £5,500
May 20, 2019

A client with a small business personal guarantee of £50,000 came to us when the Bank initiated Legal proceedings issuing a Summons. The client’s business had suffered because of a large debt. That customer’s Bankruptcy would have started a domino effect as our Client could not satisfy the PG in full. The Client was hopeful…

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Personal Guarantee exposure, 97 jobs saved and savings of £560,000
May 16, 2019

In October 2017, Bell & Company assisted a multi-site Northern Ireland business with Personal Guarantee exposure. The clients instructed Bell & Company regarding their Personal Guarantee Exposure of £200,000 and potentiality loss of the company properties to a Fixed Charge Receiver. The closure of the company would result in 97 employees losing their jobs and many…

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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…

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What is a Zombie Company?
April 1, 2019

    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
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…

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