Financial difficulty is
hard enough already.
We make the path clear.
Debt is rarely just a financial problem — it affects your sleep, your relationships, and your sense of who you are. We take the time to understand your full situation, then work with tenacity to find the right path forward.
Regulated
always you
conversation
Who are you coming to us as?
Debt looks different depending on your situation. Choose the path that best describes yours and we’ll explain your options clearly, in plain English.
I have personal debt
Credit cards, loans, HMRC arrears, or you’re worried about your home. You’re not sure what your options are, or you need the creditor pressure to stop while you think clearly.
Personal Debt SupportI’m a business owner or director
HMRC is chasing the business, you can’t pay suppliers, and you have personal guarantees. We take an overarching approach, assisting with the company debt situation and how you are impacted personally.
Business & Director SupportI’m a professional adviser
For professional advisers, we are an invaluable source of debt advice, taking clients from strategy to solution. If you have clients that need debt support we are here to help.
Professional Adviser SupportWe meet the person before we address the problem
Most people come to us not quite knowing where to start. They know the situation is serious, but they don’t know what the options are, what the consequences might be, or who they can trust to tell them the truth.
We are FCA-authorised debt advisers. Not a debt management company chasing a monthly fee, and not a firm that pushes one solution regardless of the situation. We look at everything — income, outgoings, every creditor, every asset — and give you an honest assessment of every option available to you.
A confidential conversation
We listen. No judgement, no pressure. You tell us what’s happening and we ask what we need to understand the full picture.
We review everything
Income, outgoings, all creditors, assets. We look at your situation as a whole — not just the debt figure.
We explain your options
Clearly, in plain English. Every option available to you, with our honest view on which produces the best outcome.
We handle it
Once you instruct us, we deal with your creditors directly. You no longer have to face them alone.
Where we have helped
Every case is different. These are three examples of what working with Lightside looks like in practice.
“I’d been paying my debts but in 5 years they had not shrunk. Then the business closed. I couldn’t pay the credit cards. A personal guarantee creditor came straight for us, and bankruptcy was the word I couldn’t stop turning over.”
We treated the personal and business debt as one picture rather than two. The personal guarantee was the immediate pressure point — the creditor was preparing bankruptcy proceedings. We negotiated a voluntary charge on the family home, which gave the creditor the security they needed to stand down from formal action. The bankruptcy threat was removed and the home was protected. We then brought over £50,000 of personal credit card and loan debt into a single coordinated Creditor Arrangement, took over all creditor communication, and structured the co-director’s share of the guaranteed debt separately. Mr C has since relaunched his business.
“The business hadn’t failed. That was the hardest part to sit with. We’d built something real — then the council changed what we were allowed to use.”
We structured a pre-pack sale of the restaurant’s assets to a newly formed company at independently assessed fair value. All staff were offered TUPE transfer. The original company entered CVL, closing out its historic liabilities while preserving the brand, the team, and the customer base. The new company is trading profitably from new premises.
“I was so scared at the thought of bankruptcy. The thought of losing my home was terrifying. I wasn’t eating. I wasn’t sleeping.”
Mrs. SS’s home was never at risk — but she didn’t know that. A thorough review of the equity ownership structure confirmed the Trustee in Bankruptcy had no viable claim on the property. We managed all correspondence throughout, so she never had to deal with the insolvency service or creditors directly. When the Trustee attempted to claim the family Porsche, we challenged it. The claim was dropped. Mrs. SS was discharged within 12 months with her home, her marriage, and her financial footing intact.