Trusted Personal Insolvency Services
Being in personal financial difficulty can feel overwhelming. It’s not just about money, it affects your relationships, your sleep, your confidence, and your future. We understand how heavy that can be. Our personal insolvency services are designed to support you.
You might be feeling:
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Ashamed or embarrassed about your financial situation
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Unsure of what to do next, or where to turn
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Worried about losing your home or assets
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Anxious about legal letters, creditor calls, or court action
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Afraid of being judged or not taken seriously
Personal Insolvency Options
We offer clear, confidential guidance on the most suitable options for your situation, including:
Individual Voluntary Arrangements (IVAs)
A legally binding agreement between the individual and his/her creditors, which involves adhering to a repayment schedule (usually) over 5 years. An IVA allows the individual to avoid bankruptcy provided the debtor meets creditors' requirements (pursuant to the IVA) through regular repayments and a final recovery of a percentage of the total sum owed.
Assisted Bankruptcy
Bankruptcy proceedings free you from overwhelming debts, subject to some restrictions; and make sure your assets are shared out fairly among your creditors.
Anyone can go bankrupt, including individual members of a partnership.
Am I insolvent?
The answer is probably YES,
if any of these sound like you....
Stage 1
I'm struggling to keep up with the payments on my credit cards.
Stage 2
I've maxed out all my credit cards and I can't afford to repay them.
Stage 3
I'm scared to open letters from my bank or credit card companies.
Stage 4
I've received calls and/or letters from debt collection agencies.
Stage 5
I've had a County Court Judgement or decree made against me.
Stage 6
My creditors have petitioned for my bankruptcy.
Why Choose RCM for Personal Insolvency Support?
Financial difficulty is one of the most isolating experiences a person can go through. It can impact your mental health, your relationships, and your ability to function day-to-day. Here’s how we make the process easier:
Free, confidential consultation
Approachable and straight-talking guidance
Licensed insolvency practitioners
Empathy-driven advice
Trusted by clients across the UK
Start with a no-obligation conversation today
You don’t need to have all the answers before you call us. That’s our job. If debt is affecting your life and you don’t know where to turn, please know this: you deserve clear, respectful, and confidential advice, without shame or pressure. That’s exactly what we offer through our personal insolvency services.