Bankruptcy Advice Specialists

Bankruptcy advice from one of the leading debt consolidation and bankruptcy avoidance companies in the UK

Avoid Bankruptcy.co.uk is part of the Spencer Hays Group of Debt Insolvency Practitioners – one of the UKs longest established and leading firms in the field of providing consumer debt consolidation and bankruptcy advice. The Group has been established for more than 50 years and employs more than 150 people in a network of local offices across the length and breadth of the UK – providing local knowledge and access for all our clients. The key elements of the Group are bankruptcy specialists regulated by governing bodies such as The Insolvency Practitioners Association, the Institutes of Chartered Accountants or the Law Society

The Groups dedicated teams of Accountants; Licensed Insolvency Practitioners and specialist consumer Bankruptcy and Debt Consolidation Advisers are professionally bound to provide immediate, completely impartial and confidential bankruptcy advice to consumers and small businesses across the UK. We combine more than 50 years experience in providing access to a wide range of legal and financial restructuring solutions to all of our clients particularly in the area of bankruptcy avoidance.

Unlike some debt companies which have floated on the Stock Exchange we remain completely independent of all ties with any other financial institution. Such independence also means We never have to take any fees directly from our clients. Like most companies we are a commercial organisation but we are able to obtain our funding via permission of the creditors – with whom we have excellent day to day working relationships - rather than from the client directly. Neither are we a “middleman” type of company who often need to take upfront fees to cover their own costs; we never charge upfront fees. Accordingly all of our clients gain direct access to the whole range of bankruptcy legislative and financial restructuring options available in the UK on a completely ethical “best advice” basis.

Whether you contact us for immediate advice on our Free phone 0800 043 50 43 or our Enquiry Form allowing us to get back to you when convenient, we will always treat your particular circumstances with the utmost care and professionalism. All of our advisers have many years expertise in financial services and are always up to date on the latest debt consolidation and bankruptcy advice options. Spencer Hayes does NOT operate a call centre type of environment. The highly qualified person you initially discuss your circumstances with will remain your single point of contact throughout.

Spencer Hayes is professionally authorised to deal with every type of financial recommendation in the area of debt consolidation. Our range of advice extends from helping you to contact your local Citizens Advice Bureau – and liaising with them on your behalf as appropriate – or simply helping you talk to your own bank manager more effectively to get that loan you may need. Our advice is always free, practical and totally objective.

In the key area of avoiding bankruptcy we may additionally advise you on Pro Rata or Individual Voluntary Arrangements to enable you to avoid bankruptcy. Your professional adviser will always be able to provide you with a skilled assessment of exactly how you can get your financial life back on track.