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Lightside Financial
Personal debt advice
Personal Debt
Too Much Debt
- Mr. N — Over £50,000 of Debt Settled for Less Than 50%
- Mr. & Mrs. C — Personal Guarantee Called In — Debt Growing, Home & Family Impacted
- Ms. JJ — Feeling Overwhelmed Dealing with the Debt — Lightside Helped To Find Space
- Ms. J — Using One Card to Pay Another — Trapped in a Debt Cycle
- Mr. & Mrs. V — Temporary Financial Blips are Fine — But Not When They Become Ongoing
- Mr. & Mrs. TA — Too Much Debt, Too Many Creditors — Resolved Without Bankruptcy
- Mr. BB — Divorce but 100% of the Debt was Mr. B’s
- George & Grace — Fifteen Properties Were Costing Them Everything — We Found a Way Out
HMRC
- Mr. A — Retired Sole Trader Faced £300,000 HMRC Debt — Home Saved
- Mr. CR — Tax Return Filed, Debt Unaffordable — but BTL Properties Saved
- Mr. JB — The Tax Bill Was Real — but Future Debt Was Written Off
- Mr. & Mrs. TA — Two Charging Orders on the Family Home — and a Decision That Protected What Was Left
- Mr. G — The Bankruptcy Order That Should Never Have Been Made
Your Property at Risk
- Mr. A — Retired Sole Trader Faced £300,000 HMRC Debt — Home Saved
- Mr. & Mrs. C — Voluntary Charge Offered — Bankruptcy Threat Withdrawn
- Ms. JJ — Told Her Home Was at Risk — It Wasn’t
- Mr. & Mrs. B — Home At Risk Because of Business Debt
- Ms. JB — Remortgage Declined Despite Having Never Missed a Payment
- Mr. & Mrs. TA — Two Charging Orders on the Family Home — and a Decision That Protected What Was Left
- Mrs. SS — Bankruptcy Actually Protected Her Home — Litigious Landlord, Zero Loss
- Ms. PA — Creditor Moved to Make Her Bankrupt — Breathing Space Halted It, Settlement Closed It
- Mr. CR — Tax Return Filed, Debt Unaffordable — but BTL Properties Saved
- Ms. R — Divorce, Debt — but My Children’s Inheritance Was Still Safe
- George & Grace — Fifteen Properties Were Costing Them Everything — We Found a Way Out
Bankruptcy
- Mr. A — Retired Sole Trader Faced £300,000 HMRC Debt — Home Saved
- Mr. & Mrs. V — Debt Left Us Struggling — We Just Needed a Fresh Start
- Mrs. SS — Bankruptcy Actually Protected Her Home — Litigious Landlord, Zero Loss
- Mr. CR — Tax Return Filed, Debt Unaffordable — but BTL Properties Saved
- Mr. JB — The Tax Bill Was Real — but Future Debt Was Written Off
- Ms. R — Divorce, Debt — but My Children’s Inheritance Was Still Safe
- Mr. G — The Bankruptcy Order That Should Never Have Been Made
Business and director advice
Business & Directors
Closing a Company
- CC Ltd — Twenty Years of Work — Worth Saving. We Helped George Prove It.
- CAU Ltd — No Funds for Liquidation — Company Dissolved, Investor Repaid
- Sam — Company Closed. Jobs Saved. The Restaurant Carried On.
- Diana — The Bounce Back Loan Was Killing the Business — Not the Business Itself
- NIM Ltd — The Liquidator Didn’t Mention the £30,000 — We Did
- Mr. D & Mr. J — Fraud-Linked HMRC Debt Didn’t Stop a Clean Company Wind-Down
Personal Liability
- Mr. A — Retired Sole Trader Faced £300,000 HMRC Debt — Home Saved
- CC Ltd — Twenty Years of Work — Worth Saving. We Helped George Prove It.
- NIM Ltd — The Liquidator Didn’t Mention the £30,000 — We Did
- Mr. D & Mr. J — A £360,000 Fraud Judgment That Could Have Followed Two Directors Personally
- Ken — The Liquidators Said He Owed £95,000. We Settled It for £20,000.
- CAU Ltd — No Funds for Liquidation — Company Dissolved, Investor Repaid
- Mrs. SS — Bankruptcy Actually Protected Her Home — Litigious Landlord, Zero Loss
- Ms. R — Divorce, Debt — but My Children’s Inheritance Was Still Safe
- Mr. G — Sole Trader, VAT Debt — but Bankruptcy Annulled
- Mr. S — A Ten-Year Director’s Ban Reduced to Four — and a £60,000 Penalty Avoided
Other Situations
- CC Ltd — Twenty Years of Work — Worth Saving. We Helped George Prove It.
- George & Grace — Fifteen Properties Were Costing Them Everything — We Found a Way Out
- Diana — The Bounce Back Loan Was Killing the Business — Not the Business Itself
- Mr. D & Mr. J — Two Brothers, One Fraud Judgment, and a Retirement Nearly Lost
Insights articles
Insights
Policies and legal