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”), and
  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.

How loan sales and vulture funds could result in thousands of people losing their homes
March 6, 2018 | 0 Comments

A financial advisory company that specializes in dealing with personal and professional insolvency is warning how a state bank’s decision to sell off troublesome and underperforming loans could result in thousands of people losing their home. Bell and Company are keen to alert homeowners in the North that are likely to be affected by Permanent…

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Are you sitting on a mortgage time bomb?
February 27, 2018 | 0 Comments

In this day and age, owning your own property is a luxury that many people will never experience… With rising interest rates and the cost of living and property rising each, many millennials are turning to renting as their only option, when they fly from the safe and secure nest of their home with their…

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Do you recognise the signs of Corporate Insolvency?
February 20, 2018 | 0 Comments

Running your own business is both stressful and time-consuming and as a CEO or director, it is fairly easy to get caught up in the day to day tasks and not realise the fact that your company is hurtling towards the disaster that is corporate insolvency. Corporate insolvency is when your businesses financial circumstances mean…

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What caused the Carillion collapse?
February 14, 2018 | 0 Comments

If you follow the news you’ll probably be aware of the Carillion collapse, which has resulted in the UK’s second-largest construction company buckling, due to a colossal £1.5 million debt pile. Despite numerous discussions taking place between the company, its lenders and the government, nothing could be done to save Carillon, who employ around 20,000…

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Debt Strategy experts Bell & Company weigh in on the insolvency figures from 2017 and consider what 2018 may have in store.
February 7, 2018 | 0 Comments

With the New Year just starting, Bell & Company, are keen to decipher the insolvency figures from 2017, and consider what they may mean for 2018. According to statistics released by The Insolvency Service, an estimated 4,152 companies entered insolvency during the third quarter of 2017. While this number may seem significant, this number has actually…

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Implementing your New Year’s Resolutions
February 1, 2018 | 0 Comments

With 2018 in full swing, many of us are focussing on staying on track when it comes to achieving the resolutions that we set for ourselves this year. For a lot of people that means tackling debt that may have crept up to higher levels over the festive period. With presents to buy and more…

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Insolvency at Corporate Level
January 24, 2018 | 0 Comments

If you own your own company, the word insolvency is unlikely to be one that you associate with anything positive. Under the British law, a company is considered to be insolvent if it is unable to pay its debts, even after selling all of its assets. While insolvency is an undesirable situation to find yourself…

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The Positives of Bankruptcy
January 17, 2018 | 0 Comments

The Positives of Bankruptcy The word bankruptcy tends to fill most people with feelings of dread. It’s hard to deny the fact that the word has typically negative connotations and is usually associated with financial chaos and the diminishing reputations of those associated with it. While people tend to only focus on the negative aspects…

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What’s the best course of action when you are facing negative equity?
January 11, 2018 | 0 Comments

If you are dealing with negative equity, it’s likely that you are worried about what the future will hold for you in terms of finance. Negative equity is when a property is worth less than the mortgage secured on it, and it’s normally caused by falling property prices. If you are currently faced with negative…

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What does the Autumn Budget mean for house prices?
January 3, 2018 | 0 Comments

What does the Autumn Budget mean for house prices? As soon as the budget is introduced, most people are quick to question how it may affect them, with one of the main areas of concern being house prices. The housing crisis is, of course, something that most of us are affected by, and with Theresa…

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