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Bell & Company offer Independent and Impartial advice
to assess all options available.


Pre-Insolvency is not always the best outcome for everyone. It is completely dependent on individual circumstances.

Bell & company are different because we offer impartial advice to all clients and are able to advise on all options considering potential strengths and weaknesses. We offer a free consultation to review and assess all options and the merits of each.


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  • A formal insolvency procedure is avoided
  • There is more room for flexibility in negotiations yielding a better result
  • A tailored settlement can be adapted to suit all parties
  • A better return for all creditors involved
  • Reduced costs
  • Issues are usually dealt with on a consensual basis;
  • Legal proceedings and associated costs are avoided;
  • Relationships between creditors can be preserved


What is a Full & Final Settlement?

  1. A Full and Final Settlement (F&F) happens when a creditor agrees:To accept less than the whole debt claimed (“full debt”)
  2. That they won’t take action to recover the rest (“final”).

This is sometimes called a “partial settlement” or “short settlement”

Bell & Company offer independent and impartial advice to assess all options available. A full financial review will be conducted to assess the merits of formal and informal insolvency routes dependant on individual circumstances. You can read more about formal insolvency advice here.

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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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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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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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…

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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,…

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Personal Liability and Busines Debts
December 10, 2018

A question that many will ask as their business begins to fail is… “Am I Personally Liable for my Business Debts?” SOLE TRADERS/PARTNERSHIPS Many people in business will operate as an individual, Sole Trader or Partnership. If this is your chosen trading style. It is likely that any borrowings from Lenders, will have been issued…

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Mental Health and Debt – The Worst
November 9, 2018

Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one that needs to be aired more as the very real issue of mental health comes more to the fore. Sadly we see a lot of people struggling with the burden of debt and have seen many people…

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