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0808 301 9527

(England, Wales & Northern Ireland only)

  • Lower your monthly payments
  • Freeze all interests and charges
  • Up to 80% of your debt written off
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Why? We need your contact number to advise of the next steps to becoming debt free.

Whats Your Debt Level?

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Here’s an example of what we can do

We consolidate all the debts into one smaller monthly payment which allows you to get back on track.

Unsecured Debts

  • Personal Loan £12,000
  • Credit Card £6,000
  • Store Cards£1,600
  • Council Tax £1,200

Total Debt £20,800

Your Monthly Repayments


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60%Debt Written Off

Bankruptcy is a form of insolvency that can help you to clear debts that you could not otherwise clear is a reasonable period of time.
After you have been declared bankrupt, creditors will write off your unsecured debts. This allows you to have a fresh start but there will be restrictions that you are subject to for 12 months after being made bankrupt.

Is Bankruptcy right for me?

Becoming bankrupt can have some serious implications and should not be taken lightly. Bankruptcy is usually considered a last option after other solutions such as Debt Management and IVAs have been considered and found not to be viable.

During the bankruptcy process, assets you own such as your house and car will normally be sold to pay off your debts. This means that if your assets are worth more than the value of your debts, bankruptcy may not be a suitable solution for you.

Bankruptcy lasts for 12 months after which you will be ‘discharged’. During this period, you will be subject to restrictions. This means you can’t:

  • Borrow more than £500 without telling the lender you’re bankrupt.
  • Work as an Insolvency Practitioner.
  • Act as a company director without obtaining court permission.
  • Create, manage or promote a company without court permission.
  • Manage a business under a different name without informing people that you’re bankrupt.
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It is a criminal offence to break any of these restrictions and doing so could result in prosecution.

How do I apply for Bankruptcy?

You can apply for bankruptcy through your local County Court. Due to the complex nature of bankruptcy and variations in the ways different courts work, it is recommended that you speak to a professional debt advisor who can advise if bankruptcy is the right solution for you.

What does the service cost?

If you live in England or Wales, the fees to be made bankrupt total £705. This consists of:

  • £180 Court Fee
  • £525 Bankruptcy Deposit

If you live in Northern Ireland, the total fees are £647 consisting of:

  • £115 Court Fee
  • £525 Bankruptcy Deposit
  • £7 Solicitor’s Fees
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If you are on a low income or you are in receipt of benefits, you may be exempt from the court fees.

Important Information

All debt solutions should be very carefully considered. Fees will be charged if a solution is taken in order for us to set up your plan and maintain it – all fees will be outlined during your consultation. Retained payment may place you further into arrears. You have the right to a cooling off period of 14 days. It is likely that your ability to obtain further credit in the short term will be affected and this may also be the case over the medium to long term.

For further information on debt solutions and their effects, AIB has produced a debtor’s guide available here.

There is free debt help and advice available through a variety of debt charities. For more information, we recommend you visit

Contact Debt Advisory Service

For more information and Bankruptcy advice, please contact us for debt help today on 0808 301 9527 or simply fill out our Debt Advice Enquiry Form.