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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”), 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.

Personal Guarantees – IS MY HOME AT RISK?
May 15, 2018 | 0 Comments

Personal Guarantees – IS MY HOME AT RISK? Personal guarantees are a scourge on entrepreneurial life which very often rear their heads during economic downturns and specifically with a business failure. A Personal Guarantee is sought to typically cover: Limited company finance, in whatever form, to bring as the finance provider would see as a…

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Will I Lose My Home in Bankruptcy?
April 25, 2018 | 0 Comments

Will I Lose My Home in Bankruptcy? The Fear What’s the biggest fear about bankruptcy or personal insolvency? Ask anyone who has faced this trial and you will get the same answer: losing your home. When you look at your debt situation and accept it is unmanageable it is practically certain that ‘Is my home…

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The Benefits of Debt Strategists
April 19, 2018 | 0 Comments

WHAT ARE DEBT STRATEGISTS Debt strategist might sound like the job title of the bulge-bracket merchant banker in the Square Mile – but that’s not right. A good debt strategist is the vital problem solver every entrepreneur should have in their contact book. But whether it is business collapse with a personal guarantee attached or…

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April 6, 2018 | 0 Comments

The team at Bell & Company are delighted to announce they have again been shortlisted as finalists in the prestigious Belfast Business Awards, under the “Best Company to Work For” category! In May 2017, Bell & Company won the “Customer Service Excellence, Professional Business Service” award and we feel honoUred to have been shortlisted again…

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Out with the old, in with the new!
March 30, 2018 | 0 Comments

Out with the old, in with the new! From April 4th, we will be operating from our new Arthur Street offices! We have had a successful and memorable 3 years in Rosemary Street, however, the time has come to move to somewhere bigger and better. The new location in will accommodate the growth of our…

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Don’t let your PRIDE get in the way of your FUTURE!
March 22, 2018 | 0 Comments

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. But don’t let your PRIDE get in the way of your FUTURE. While people…

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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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