What is included
- Merits review with an inventory of debts and assets
- Filing the petition and running the full procedure
- Payment plan or liquidation, depending on the route that fits
Cancelling debts you can no longer pay
We assess whether you meet the requirements for discharge of unpaid liabilities and run the procedure through to cancellation of the dischargeable debts.
Personal insolvency and debt discharge
What is included and what is not promised
Personal insolvency cancels debts, but not all of them and not for everyone: it requires good faith, and some debts are not discharged. The first step is an honest assessment of whether your case fits, because starting a procedure that will not end well only adds cost.
What it includes: merits review with an inventory of debts and assets; filing the petition and running the full procedure; payment plan or liquidation, depending on the route that fits. What it does not include: not all debts are discharged: public debts and maintenance have their own rules and we explain them before we start.
Documents you will need
- A full list of debts with creditor, amount and age.
- Employment history, payslips or benefits and tax returns.
- Deeds or contracts for any assets you hold.
Indicative timing
We answer your enquiry within 1 working day and send the written quote within 2 working days.
Once your documents are complete, we prepare the file between 10 and 25 working days.
The procedure is usually measured in months; final discharge may depend on completing a multi-year payment plan.
See the pricing page for how we charge this kind of matter.
How it works
Estimated duration: 25 days.
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Merits and deadlines
We draw up an inventory of your debts and assets and tell you whether you meet the requirements for discharge and by which route.
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Professional and quote
We ask for the list of creditors, the debt contracts, your income and your assets. Lawyer and court agent assigned; staged quote.
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Pleadings and evidence
We file the insolvency application and process the procedure until discharge or the payment plan.
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Hearing and judgment
We follow the payment plan if there is one and remind you of each obligation until the final discharge.
What to have at hand
- A full list of debts with creditor, amount and age
- Employment history, payslips or benefits and tax returns
- Deeds or contracts for any assets you hold
Frequently asked questions
Is tax debt cancelled?
Only partly and within limits. We give you the specific figure in the assessment before you decide.
Will I lose my home?
It depends on the route and on the home's value against the mortgage. It is analysed case by case.
Will I come off the credit blacklists?
After discharge, removal can be requested. It is part of closing the file.
Related services
People who come for “Personal insolvency and debt discharge” often need one of these Court proceedings procedures too. If your case mixes several, it goes in a single file with a single quote.
- Enforcement of judgments and titles
- Expert reports in every discipline
- Road traffic accidents and compensation
- Order for payment procedure
See everything we do in Court proceedings
If what you have is a situation and you are not sure which procedure applies, start with I want to get out of debt.
Your case
Summarise your debts, your income and whether proceedings are already open.
Request a quote
Tell us about your case and which documents you already have. We tell you what fits, what is missing and what it costs.