Dont Let Your Business Debt Become A New Year Crisis

The festive season may bring goodwill and joy, but for many business owners, it also brings financial pressures. Even as the holidays approach, creditors remain vigilant, and financial obligations don’t take a break – not even on Christmas Eve.

At Bell & Company, we know how quickly cash flow problems can snowball, especially during this time of year. Late payments, increased overheads, or unexpected expenses can put immense strain on your business, and high-interest quick loans or risky financing agreements only worsen the problem.

But you don’t have to face these challenges alone.

The Risks Of Ignoring Business Debt

Allowing debt exposure to grow during the festive season can have lasting consequences:

• Delayed payments from clients could leave your business unable to cover essential costs.
• High-interest loans may seem like a quick fix but often lead to worsening financial health.
• Creditor pressure doesn’t stop for the holidays, with potential legal or financial consequences for directors such as Statutory Demands and/or Winding-Up Petitions against your business.

A Smarter Way to Protect Your Business

Instead of reactive solutions, we recommend taking proactive steps to regain control of your finances:

• Review cash flow and prioritise payments.
• Avoid taking on high-interest financing that could compromise your long-term stability.
• Partner with experts who can help you navigate these challenges with confidence, so you can actually enjoy Christmas and look forward to a positive 2025.

At Bell & Company, we specialise in helping businesses like yours resolve financial difficulties and protect directors from personal liability. Whether it’s reducing debt exposure or negotiating with creditors, our dedicated team ensures your best interests are always at the forefront.

Help is Just a Call Away

We recently helped a client who faced a £84,574 demand from a litigious creditor after their company’s liquidation. Within three months of engaging us, we stopped legal proceedings and settled the matter for £18,000 on a full and final basis.

If you’re feeling the pressure of your current situation, let us help.

Read Other Client Testimonials

Excellent service during a very difficult journey

I seldom write reviews, but I felt the service and help I got from Bell and Company was outstanding. My wife and I had difficulties with a major banking institution and could not find a way of getting a release….

Dara McEniff – IE

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Excellent service during a very difficult journey

I seldom write reviews, but I felt the service and help I got from Bell and Company was outstanding. My wife and I had difficulties with a major banking institution and could not find a way of getting a release. We were ‘hamstrung’ in that we couldn’t service the debt or negotiate a way to restructure it. It was a constant worry and financial burden for over 15 years. We had medical worries and children at college and full time education. When we got in contact with Bell and company they helped us, reassured us and found us a way out. Luke Logan handled our case and could not have been better. He understood all the different aspects of our problem. He was empathetic and kind. He showed a keen grasp of our issues and problems immediately. A solution was reached and we were extremely happy with the terms. I cannot praise this company and Luke high enough.

Dara McEniff – IE

I found myself in a very difficult….

I found myself in a very difficult financial situation compounded by serious health issues. Having closed my company due to serious ill health I found out some months later that I owed a six figure DLA. I don’t mind admitting…

David Coleman – GB

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I found myself in a very difficult….

I found myself in a very difficult financial situation compounded by serious health issues. Having closed my company due to serious ill health I found out some months later that I owed a six figure DLA. I don’t mind admitting going into a panic over the email and telephone call from company insolvency Practioners. I did a bit of research and reached out to Bell and Co. and from my first phone call to my last, a huge weight was lifted from my shoulders and I no longer didn’t felt alone in facing this extremely stressful situation. I would particularly like to thank Michael and Rory for standing side by side with and finding a fabulous resolution. When Rory told me what he had negotiated I was overcome with relief and joy at what had looked like a dire financial situation prior . Rory and the team negotiated a 93% reduction in DLA and for the first time I can say I was delighted to pay a professional fee. Bell and Co more than deserved their fee. A big thank you again and I would highly recommend Bell and Co to anyone facing similar stark financial situation I found myself in.

David Coleman – GB

I don’t normally write reviews but felt….

I don’t normally write reviews but felt compelled to after receiving such a positive experience and outcome. Rory was professional, empathetic and most importantly tenacious in his negotiations with my creditors. I urge anyone who requires an advocate, when faced…

DP – GB

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I don’t normally write reviews but felt….

I don’t normally write reviews but felt compelled to after receiving such a positive experience and outcome.

Rory was professional, empathetic and most importantly tenacious in his negotiations with my creditors.

I urge anyone who requires an advocate, when faced with challenging financial circumstances, to contact Rory.

DP – GB