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

A brilliant experience!

My experience with Bell & Co and in particular Micaela Cruz was simply brilliant, smooth, worry free and patient.From the outset everything was explained to me clearly and this communication continued throughout the journey. Micaela always remained calm, patient, informative…

Thomas Hughes – GB

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A brilliant experience!

My experience with Bell & Co and in particular Micaela Cruz was simply brilliant, smooth, worry free and patient.
From the outset everything was explained to me clearly and this communication continued throughout the journey. Micaela always remained calm, patient, informative and confident which was perfect as this sorts of traits kept me calm and reassured during a slightly stressful period as you could maybe imagine when dealing with outstanding debt and huge corporations who try and tie you up in knots, but bringing Bell & Co on board to help me navigate my situation was one of the best decisions I have made. Debt settled, and settled very well, monkey off my shoulder, back to living life a little lighter and happier.

Thank you guys!

Tom

Thomas Hughes – GB

Exceptional & Professional Company.

I reached out to Bell & Co as i was being chased by Barclays Bank over a personal guarantee that I had signed for a Ltd company I was part of 20 years ago. Despite several assurances that I was…

Merfyn Evans – GB

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Exceptional & Professional Company.

I reached out to Bell & Co as i was being chased by Barclays Bank over a personal guarantee that I had signed for a Ltd company I was part of 20 years ago. Despite several assurances that I was no longer liable for the PG I was still being chased for the liabilty. This was passed onto a debt recovery company which is why I contacted Bell & Co. My case was handled by Micaela Cruz. After our initial consultation and passing over all correspondance Micaela gave me her honest opinion on how Bell & Co could help me and the best & worst case scenarios. I felt that she was honest with me from the offset, Micaela kept me informed throughout in a profesional & compasionate manner, Any queries I had were replied to promptly explaining what the next steps were. Initially I had hoped that the liability demanded could be reduced BUT to my utter amazement and joy the liability & PG was completely cancelled and the amount demanded was reduced to zero !!
Thank you Micaela, You are a credit to the company.
I have no hesitation in recommending Bell & Co. I cannot speak highly enough for the service I received.

Merfyn Evans – GB

Very sticky situation

We were in a bad situation with our company and once we talked to Luke at Bell & Co he put us at ease. He assured us that they could negotiate with the banks to come to an agreement on…

Mike Pimlott – GB

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Very sticky situation

We were in a bad situation with our company and once we talked to Luke at Bell & Co he put us at ease. He assured us that they could negotiate with the banks to come to an agreement on a reduced settlement fee.
We could not sell our properties due to cladding issues and interest rates had increased but we could not increase our rental prices so we were leaking money.
Our biggest concern was the possibility that we could loose our own properties.
We ended up selling both properties at a massive loss but Luke negotiated a fantastic payment plan which we could afford.
If it wasn’t for Bell @ Co a very stressful situation could have easily spiralled out of control, but with their help and reassurance they managed to negotiate an affordable package which has been paid off in full.
So thank you Luke and Bell @ Co for your professionalism and expertise, would highly recommend them.

Mike Pimlott – GB