How we can help
Understand the full picture
We start by organising creditors, balances, security and ongoing proceedings. We distinguish personal debts from company liabilities and identify guarantors or jointly owned assets requiring consideration.
Assess the applicable route
Debt discharge is available to individuals who meet the legal requirements. We assess the background and documents before recommending a route, including the distinction between a payment plan and liquidation.
Prepare the case
The agreed work may include reviewing documents, preparing an asset inventory and creditor list, drafting submissions and assistance with specified proceedings. We explain what information is missing and which decisions require prior assessment.
Understand the effects and limits
Not all debts receive the same treatment. We assess exclusions, secured debts and public-debt restrictions, together with the scope of the decision and any subsequent obligations affecting you.
Frequently asked questions
Can every debt be discharged?+
No. Discharge has eligibility conditions, exclusions and limits. Each type of debt and the applicant’s circumstances must be assessed.
Can I keep my home?+
That cannot be determined without reviewing ownership, secured liabilities, value and the proposed route. It forms part of the initial assessment.
