Telephone: 0330 159 5820


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Talk to a member of our team, Call 0371 705 2609


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

Talk to a member of our team, Call 0371 705 2609


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.

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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Talk to a member of our team, Call 0371 705 2609
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