Taking on the Power of 4 Challenge – AGAIN!

Bell & Company are again partnering with NSPCC NI to complete “The Power of Four” challenge in aid of...

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Bankruptcy Timeline: From Application to Discharge

Most people know what Bankruptcy is however, there is often more than meets the eye and not all cases...

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Bankruptcy

THE B WORD…BANKRUPTCY. Nobody ever wants to go bankrupt, but we need to understand the basic premise of Bankruptcy...

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Trustee Negotiations In Bankruptcy

Trustee Negotiations are tough. At Bell & Company, we specialize in this niche area of work assisting those people...

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Debt Chasers – Our Perspective

An opportunity you say? Up until Lockdown 1, creditors were if anything stepping up their action as the economy...

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NSPCC NI Fundraising Challenge – The Power of 4

The Power of 4 Belfast-based Debt Strategists, Bell & Company, are taking part in an intriguing Fundraising Challenge –...

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Property FRI Leases

The principal reason for securing a CVA allows these ‘mega-retailers’ to excuse themselves of onerous property FRI leases. Obviously,...

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V-Shaped Recovery?

After Rishi’s summer statement, the public borrowing has now reached £350bn. Everyone knows a recession is here and redundancies...

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Rising Risk | P2P Finance News Interview

Our Chairman, Terry Bell, talks to Marc Shoffman, a Journalist who writes for P2P Finance News https://www.p2pfinancenews.co.uk/2020/07/03/rising-risks/ about the...

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LIMITED COMPANY FAILING? – EXPOSURE?

Before we start this blog on ‘Limited Company Failing – What’s my personal Exposure?’, we are pleased to announce...

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Are Directors personally liable for company debts?

Directors Personal Guarantee Are Directors personally liable for company debts? To begin with, at the height of the business...

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PEER 2 PEER LENDING PRESSURE

HERE THEY COME – PEER 2 PEER LENDING PRESSURE. We are hearing from more and more businesses with Peer...

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ASSET FINANCE FOR GYMS – OVER BORROWED?

NOBODY BUT NOBODY SAW COVID-19 COMING. ASSET FINANCE FOR GYMS – OVER BORROWED? Its effect on all businesses, as...

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Business Planning During Coronavirus Pandemic

PART 1 OF COVID-19 PANDEMIC & PLANNING ABOVE…INCASE YOU MISSED IT. Further to my video this morning – knowingly...

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BAD DEBTS – CASH FLOW PROBLEMS

Bad debts can very often cause a perfect storm for any SME business owner, especially those which are totally...

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Peer to Peer Issues – Again? We Will Speak Out

We at Bell & Company are seeing more and more enquiries from SMEs struggling with the weight of various...

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Debt…The Opera Singer

The keys, as we always tell prospective clients approaching us embroiled in a debt spiral are: Know the Worst...

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Personal Guarantee Settlement £175,000 – £32,000

We recently had a Personal Guarantee Settlement £175,000 – £32,000 for our client. £175,000 Personal Guarantee called upon by...

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Deals with HMRC

The key is to understand deals with HMRC and speak to our friends at HMRC to see what they...

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Personal Guarantee Exposure – Savings of £300K

Building Industry Client with Personal Guarantee Exposure – Savings of £300K. Clients, operating within the Building Industry, instructed Bell...

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PARTNERSHIP BREAKDOWN

We see partnership breakdown a lot in our line of work. A pair of business partners parted ways and...

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Dispute Resolution – Farming Client, Local Creditors

Our latest settlements is a case concerning dispute resolution – farming client, local creditors. Dispute Resolution – Farming Client,...

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Vulture Fund Negotiations

Liability of £120,000 with secured assets worth £195,000 sold to ‘vulture fund’ settled for £38,000, vulture fund negotiations took...

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SME DEBT PRESSURE – HELP THE OWNER

  Being an entrepreneur or business owner can be very lonely, especially when the business comes under any form...

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Personal Guarantee – I’ve received a Statutory Demand!

  Personal Guarantee – I’ve received a Statutory Demand! A call on a Personal Guarantee can be stressful. Although,...

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Who the hell are Bell & Company?

  Who the hell are Bell & Company? At Bell & Company, we help People who are experiencing personal...

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Personal Guarantees are Evil

A Personal Guarantee is used by the lender or financial institution to secure a loan or lease.  A Personal...

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A Guide to a Directors Personal Guarantee

What is a personal guarantee? Why would I need one? At the height of the business boom, banks frequently...

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A Guide to Negative Equity

  What is Negative Equity? ‘Negative equity’ is a term no homeowner wants to hear. But, what is negative...

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Negotiating with Creditors

Negotiating with Creditors. No creditor/debt collection agency are the same. They often have different processes and protocols along with...

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Negative Equity Solutions

Across Ireland, Northern Ireland and the rest of the UK, homeowners are as vulnerable as ever to negative equity....

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Personal Liability and Busines Debts

A question that many will ask as their business begins to fail is… “Am I Personally Liable for my...

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Mental Health and Debt – The Worst

Mental Health & Debt – The Worst Not a great subject I know, Mental Health and Debt, but one...

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The misconceptions of Bankruptcy Exposed

Bankruptcy, the “B” word, is feared by many. This is often as a result of uninformed misconceptions. There is...

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Liquidator of a Company – Do I have Personal exposure?

The failure of any company is distressing enough, and all company debts would be dealt within the liquidator’s work....

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Personal Guarantee – Now I’ve received a Statutory Demand!

Personal Guarantee A call on a personal guarantee can be very stressful but it may be managed with meaningful,...

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Will I Lose My Home in Bankruptcy?

Will I Lose My Home in Bankruptcy? The Fear What’s the biggest fear about bankruptcy or personal insolvency? Ask...

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The Benefits of Debt Strategists

WHAT ARE DEBT STRATEGISTS Debt strategist might sound like the job title of the bulge-bracket merchant banker in the...

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Don’t let your PRIDE get in the way of your FUTURE!

The word bankruptcy tends to fill most people with feelings of dread. It’s hard to deny the fact that...

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How loan sales and vulture funds could result in thousands of people losing their homes

A financial advisory company that specializes in dealing with personal and professional insolvency is warning how a state bank’s...

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Are you sitting on a mortgage time bomb?

Are you sitting on a mortgage time bomb? Currently, owning your own property is a luxury that many people...

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Do you recognise the signs of Corporate Insolvency?

Do you recognise the signs of Corporate Insolvency? Running your own business is both stressful and time-consuming and as...

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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.

With the New Year just starting, Bell & Company, are keen to decipher the insolvency figures from 2017, and consider...

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Implementing your New Year’s Resolutions

With 2018 in full swing, many of us are focussing on staying on track when it comes to achieving...

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Insolvency at a Corporate Level

Insolvency at a Corporate Level If you own your own company, the word insolvency is unlikely to be one...

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The Positives of Bankruptcy

The Positives of Bankruptcy The word bankruptcy tends to fill most people with feelings of dread. It’s hard to...

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What’s the best course of action when you are facing negative equity?

If you are dealing with negative equity, it’s likely that you are worried about what the future will hold...

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We look back on 2017

Bell & Company reminisce about the year that has passed… 2017 has been a mammoth year for the team here...

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Mammoth overall savings of 92%!

Our client approached us with a crystalized debt of over £150,000, owed to a huge banking institution in the...

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Bell & Company prove benefits of great business relationships

Bell & Company were recently able to assist a young couple with 2 young children facing eviction from the...

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The professions most likely to fall into debt

Anyone, regardless of their job, years of experience, age or financial situation can fall into debt. This can be...

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How you can beat debt

How you can beat debt Debt is a problem that affects millions of people all over the world. In...

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Are the banks still lending too much?

The global financial crash of 2008 is widely considered to have been the worst financial crisis since The Great...

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Will property costs in the UK continue to rise?

Property costs in the UK For many of us, property prices are simply too high. A sizeable majority of...

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First-time investor left with large shortfall

Bell & Company were contacted by a first time investor who had been left in negative equity on his...

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‘Buy-to-Let’ property stress

Bell & Company finalise successful negotiations on a buy-to-let property. An older couple based in England approached our company regarding...

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The debt hotspots of the UK

Debt hotspots Debt is a problem that’s plaguing the whole of the UK. In fact, household debt across the...

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A couple helped out of huge shortfall after their separation

A former couple had been under the weight of a huge shortfall of over £105,000. They were both trying...

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Despite difficult lender, a 10% settlement can be achieved

A settlement of 10% can still be achieved, even when faced with a difficult lender A couple with a...

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English ‘buy to let’ case settled within 5 months

A young man based in England approached our company regarding an unsustainable ‘buy to let’ property he owned. After...

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Finance professional avoids Bankruptcy

Bell and Company recently assisted a professional to avoid Bankruptcy Our client, who happened to be a professional in...

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A young couple caught up in the Recession

A young couple found themselves caught up in the Recession, financial downturn of 2007, have a look at their...

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Mortgage debt settlement at 4%

Mortgage debt settlement at 4% An older gentleman had come to us with a second property that had fallen...

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Businesses Must Have A Brexit Strategy

  Businesses must have a Brexit strategy Mid last year the UK took the momentous decision to leave the...

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Why are people in the UK so in debt?

A recent report has revealed that the UK is one of the most indebted countries in the world, with...

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The Recession, ten years on: how are we affected?

The recession, ten years on: how are we affected? The recession began as just another financial crisis on Wall...

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Do I have to tell my employer that I’m in debt?

Do I have to tell my employer that I’m in debt? There is no hard and strict rule that...

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A Guide to Personal Debt Collection in England

Personal debt collection in England If you or your business is facing insolvency, you might be worried about bailiffs...

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Will I lose my job if I go bankrupt?

Will I lose my job if I go bankrupt?   Declaring bankruptcy is not an easy step, but unfortunately,...

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A Guide to Director’s Personal Guarantees

  A Guide to Director’s Personal Guarantees What is a personal guarantee? Why would I need one? At the...

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Insolvency – What to do when the worst happens

Insolvency – What to do when the worst happens: If your business is facing insolvency, it can seem like...

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A Complete Guide to Negative Equity

The term ‘negative equity’ is one no homeowner wants to hear. But what is negative equity and what does...

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Negative Equity – Mortgage Shortfall Success

Negative Equity Settlement. Our successful settlement this week comes from Northern Ireland where the property is based in an...

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Petitioning For Bankruptcy?

Petitioning for Bankruptcy? So, why would I petition for bankruptcy? We have had a number of people looking for...

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Considering Bankruptcy?

The B Word: You Can Consider Bankruptcy If you are considering bankruptcy It is essential to remember that bankruptcy...

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What Are Debt Strategists?

We Are UK & Ireland’s Leading Debt Strategists Bell & Company are Debt Strategists and that simply means we...

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Can I be considered personally liable or be pursued for the Debts of my Business?

A primary question that many will ask as their Business beings to fail is, “Can I be considered personally...

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How Do I Negotiate With Creditors?

How do I negotiate with Creditors?   In summary, no creditor/debt collection agency is the same and they often...

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My Profession Doesn’t Allow Me To Go Through Bankrupcty: Options Available

If your profession doesn’t allow you to go through Bankruptcy there are other options available! Bell & Company can...

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RBS’s Global Restructuring Group Apologises

RBS’s Global Restructuring Group apologises to thousands of customers following pressure from the Financial Conduct Authority (FCA). This is...

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Negative Equity In Northern Ireland

Negative Equity In Northern Ireland We are still as busy as ever unfortunately, although it is really Rewarding helping...

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I am a company director of a limited company with personal Guarantee. How will this effect me?

I am a company director of a limited company with personal Guarantee. How will this effect me? More often than...

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My home has been sold and now I have received a letter chasing an outstanding balance. What are my options?

As the various lending institutions work through their ‘delinquent’ mortgage books, more and more people are approaching us at...

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Brexit to potentially delay Bank Loan Sales

In recent times, we have been approached by various individuals, businesses and professionals, all of whom have received letters...

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Bankruptcy- What can happen?

Bankruptcy, the “B” word, is feared by many and has negative connotations associated with it. Sadly, we see many...

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Will seeking to reach a settlement with my lender impact on my credit rating?

Far too many people underestimate the importance of their Credit Rating. It is a key tool in life and...

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Can I sell if I’m in Negative Equity?

Bell & Company regularly hear individuals in Negative Equity declare themselves as “Mortgage Prisoners”. This opinion is often developed...

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My Loan Has Been Sold to A Third Party – What does this mean for me?

At Bell & Company, we assist individuals whose original loans have been sold to a third party. Vulture Funds...

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Could I lose my home?

Could I lose my home? One thing we understand entirely is that home is sacrosanct to most people thus...

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BREXIT – IMPLICATIONS ON NORTHERN IRELAND PROPERTY MARKET

It is coming up to a couple of weeks since the EU Referendum was held and that Brexit was...

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Pressure from a pending loan sale?

Pressure from a pending loan sale? Are you under pressure from a pending loan sale? As will know, there...

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LONDON – IS THE BUBBLE BURSTING?

Bell & Company have previously written posts on the potential property bubble developing in London and the South East...

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NEGATIVE EQUITY STILL PREVALENT IN IRELAND

A recent Standard & Poors report cites that 4 out of 10 mortgage borrowers in Ireland are in Negative...

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Personal Guarantees

During the boom Personal Guarantees were given by numerous individuals to facilitate borrowing by corporate entities and dependent relatives....

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FIXED CHARGED RECEIVERS OVERVIEW

For Corporate clients or those suffering business debt issues you may have been advised by a Bank that if...

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Business for Breakfast- Cookstown

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INTEREST RATES STAYING THE SAME – WE ARE IN DANGER OF BECOMING ADDICTED

This month we just passed the seventh year anniversary of Interest Rates being set at a record low 0.5%....

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PLIGHT OF FARMING & ULSTERBANK LOAN SALES…THERE IS HOPE IF BORROWERS ARE PROACTIVE

Borrowers are now being put on notice of the imminent loan sale of their portfolios contained within their SME...

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TEAM BLOG – INTRODUCING ERIN WEATHERSTONE

Name: Erin Weatherstone Position: Personal Assistant Time with Bell & Company: 10 months What does your day to day...

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WHY APPOINT AN INTERMEDIARY TO ACT ON MY BEHALF?

WHY APPOINT AN INTERMEDIARY TO ACT ON MY BEHALF? A question we hear a lot from potential client’s in...

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