Personal guarantees feel urgent, personal, and frightening. They don’t have to stay that way. Getting advice early means your position is understood and negotiations are structured from the strongest starting point.
Four things that matter with personal guarantees
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Concerned about a personal guarantee?
No charge for the initial conversation. No obligation to proceed. Completely confidential.
We deal with personal guarantees effectively
- Personal guarantee debt negotiated and settled — for less than the full debt
- Home and personal assets protected from forced sale
- Bankruptcy avoided where other routes exist
- All creditor communication handled directly
- Clear comparison of options before any commitment
- A path to being free of the stress of a personal guarantee
“Personal guarantee resolved for 8p in £1 — home no longer at risk.”
- £335,000 of personal debt resolved in full
- Home valued at £1.4 million protected throughout
- Debt free within ten months
This case was referred by an insolvency practitioner. We receive most of our work by referral.
What happens when you contact us
Every situation is different, but the process follows the same steps.
You make contact
Call, email, or send a message. We’ll have an initial conversation at no charge to understand your situation and the guarantee involved.
We map the picture
We review the guarantee documentation, your financial position, the creditor’s likely approach, and the full range of options available to you.
You choose
We present a clear comparison of your options — with the consequences of each explained plainly.
We handle it
Once you’ve decided, we take over creditor communication, negotiate on your behalf, and manage the process through to resolution.
“Sadly all the metaphors are true. Debt eats away at you and you start judging yourself and damaging your mental state and ability to make good decisions. Once the acknowledgement was there and I got in touch with you, lifting the burden was relatively easy. Your recommendations and suggested path to take opened my eyes to options that I never knew existed and the result, with your patience, empathetic tone of voice and clear explanations has resulted in a manageable solution that has rejuvenated me personally and professionally. Life has returned to some form of normality and I can focus on the important aspects of life rather than trying to fix problems. You are a life changer and I don’t use that phrase lightly. Thank you so much.”
People we have helped with personal guarantees
Every case below involved a personal guarantee. Each one was resolved differently — because the right approach depends on the full picture, not the label.
“We had driven to London not knowing what to expect — braced for more bad news. My wife and I were in our fifties. The thought of losing our home and having to start again felt devastating.”
We structured a full and final IVA. Although the property was valued at £1.4 million, once a previously unregistered loan from neighbours was properly accounted for, the available equity was negligible. We prepared an asset and liability statement demonstrating that a one-off lump sum — funded by those same neighbours, who chose to provide additional funds — would produce a better return than bankruptcy, in which creditors would have received nothing. The settlement was approximately 8p in the pound. The IVA was accepted, the home was protected, and Mr & Mrs B were debt free within ten months of their first meeting with us.
secured loan
for unsecured
creditors
“The business had taken out a Bounce Back Loan hoping revenue would recover. Then additional business borrowing which I personally guaranteed. The business didn’t bounce back. Suddenly I was personally liable for debts I’d never intended to incur, and one creditor moved to make me bankrupt.”
We took over both personal guarantees directly and handled them on separate tracks. One creditor had already moved to commence bankruptcy proceedings; we deployed a Breathing Space moratorium to halt that action and negotiated a settlement during the sixty-day window. The second creditor agreed to a monthly repayment plan, which we then positioned for a negotiated settlement — settling at a 75% discount on the amount owed. We also advised against formal liquidation of the company, recommending a managed Strike-Off instead, which avoided £40,000+ in potential personal liabilities and removed the risk of director investigation. Both personal guarantees were resolved within twelve months.
“Then the business closed. I couldn’t pay the credit cards. Then the 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.
Referring a client with personal guarantee exposure
If your client has signed a personal guarantee and the business has failed or is in difficulty, we can assess their position quickly and advise on the best route forward — before creditor pressure escalates.
Personal guarantees cross the boundary between corporate and personal insolvency. The right approach depends on the guarantee terms, the client’s personal asset position, the creditor’s enforcement posture, and the interaction between business liabilities and personal debts. Getting this wrong — or advising in isolation on only one strand — can make the situation materially worse.
We work alongside the referring professional throughout. You remain your client’s primary adviser. We handle the personal guarantee and debt resolution strand.
Talk to us about your client
Initial referral discussions are completely confidential. You do not need your client’s permission to make a speculative enquiry. Anonymised details are fine at this stage.
Cases referred by professionals
“We had driven to London not knowing what to expect — braced for more bad news. My wife and I were in our fifties. The thought of losing our home and having to start again felt devastating.”
We structured a full and final IVA. Although the property was valued at £1.4 million, once a previously unregistered loan from neighbours was properly accounted for, the available equity was negligible. We prepared an asset and liability statement demonstrating that a one-off lump sum — funded by those same neighbours, who chose to provide additional funds — would produce a better return than bankruptcy, in which creditors would have received nothing. The settlement was approximately 8p in the pound. The IVA was accepted, the home was protected, and Mr & Mrs B were debt free within ten months of their first meeting with us.
secured loan
for unsecured
creditors
“The business had taken out a Bounce Back Loan hoping revenue would recover. Then additional business borrowing which I personally guaranteed. The business didn’t bounce back. Suddenly I was personally liable for debts I’d never intended to incur, and one creditor moved to make me bankrupt.”
We took over both personal guarantees directly and handled them on separate tracks. One creditor had already moved to commence bankruptcy proceedings; we deployed a Breathing Space moratorium to halt that action and negotiated a settlement during the sixty-day window. The second creditor agreed to a monthly repayment plan, which we then positioned for a negotiated settlement — settling at a 75% discount on the amount owed. We also advised against formal liquidation of the company, recommending a managed Strike-Off instead, which avoided £40,000+ in potential personal liabilities and removed the risk of director investigation. Both personal guarantees were resolved within twelve months.
“Then the business closed. I couldn’t pay the credit cards. Then the 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.