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Bell & Company

UK's Leading Debt Strategists Business Debt

100% Confidenctial Advice
Free Initial Case Review
We Work For You, Not Your Creditors
R3 Restructuring Partner
Let us take the stress away.

Speak to our expert team today and start your journey towards financial freedom.

At Bell & Company, we specialise in all areas of debt, particularly business debt. We get results, with over £350M in debt saved for our clients. Get an impartial, tailored strategy to protect your future.

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    We Work For You, Not The Creditor

    Are you struggling with unmanageable debt and feeling the intense pressure from tight margins, rising costs, and aggressive creditor action? Bell & Company offers expert, immediate help in navigating severe financial challenges. We operate with a sole commitment: to work entirely for you, not the creditors. If you are facing a Statutory Demand, threatened with a Winding Up Petition, concerned about Personal Guarantees, or struggling with crippling HMRC arrears and property debt, our specialists provide 100% confidential support and a clear path toward a debt-free future. We specialise in reducing your liability and saving your assets. Get the expert guidance you need today.

    Don’t Face Debt Alone

    You don’t have to navigate complex insolvency issues alone. As the UK’s leading debt strategists with over 25 years of experience and over £350M saved for clients, Bell & Company brings proven results to your situation. We offer the tailored expertise necessary to resolve specific, high-stakes matters, including overdrawn directors loans, CBILS & BBLS loan stress, and the difficult decisions around Liquidation, Administration, or Bankruptcy. Get an impartial strategy from an R3 Restructuring Partner that helps you protect your home and assets. Book your free initial case review now to get immediate clarity and find a practical solution.

    What’s Included in our Free Consultation?

    At Bell & Company, we offer a completely free, no-obligation consultation. As part of this process, our team will:

    • Discuss your financial situation in full.
    • Review all relevant documentation.
    • Gain a deep understanding of your personal situation.
    • Provide you with a clear understanding of your options.
    • Present a tailored strategy towards financial freedom.

    Call Us Now

    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

    See Full Testimonial

    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

    See Full Testimonial

    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

    See Full Testimonial

    Bell & Co did an amazing job !

    Initially is was not sure about using this company as I had never heard of such a solution. The team took the time to explain how they can help and so I signed up. Immediately Luke Logan jumped into action…

    Ian – GB

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    Excellent & Professional Help

    The response and empathy received from this company was excellent. Given a difficult and scary situation they offered sound advice and suggested a route to move forward. What appeared hopeless has turned into an opportunity for resolution. We heartily recommend…

    Jeremy Willan – GB

    See Full Testimonial

    I had a issue with one of my rental…

    I had a issue with one of my rental properties and it was not sustainable to continue so I handed back to the bank. I spoke to Bell& Co and they agreed to take on my case. Luke was extremely…

    Simon – GB

    See Full Testimonial

    Rated Excellent on Trustpilot

    Case Studies: Success Stories From Recent Clients

    See How We’ve Helped Other Business Directors

    Explore real-world outcomes that show how we’ve protected businesses, jobs, and reputations.

    From Overwhelmed to Reassured: How We Helped a Business Owner Save £95,000 and Protect His Home

    • The Issue: The director faced an unexpected £165,000 Overdrawn Director’s Loan Account (ODLA) claim from the liquidator, risking his home and bankruptcy.
    • The Strategy: Negotiated a settlement based on the director’s true ability to pay, protecting his jointly owned property and challenging the liquidator’s initial high estimate.
    • The Outcome: Settled the debt for £70,000, achieving a £95,000 saving (58% reduction), and protected his home.

    How We Turned a £300,000 Debt and the Threat of Bankruptcy into a £30,000 Settlement 

    • The Issue: Business failure led to a £300,00 Personal Guarantee debt, putting the family at risk of bankruptcy and the loss of their family home.
    • The Strategy: Negotiated a Full & Final Settlement. Argued that pursuing a costly, delayed, and uncertain bankruptcy process was commercially unwise for the creditor compared to accepting an immediate, guaranteed cash offer.
    • The Outcome: Secured a £30,000 settlement (a 90% reduction). Bankruptcy was avoided, and the family home was protected.
    Stop Negotiating Alone – Let Us Handle Your Creditors While You Focus on Your Business

    Our Services

    We help clients tackle all kinds of business and personal debt issues. Here are some of the most common areas where our expertise can make a real difference.

    Business Debt Personal Debt

    Personal Guarantees
    If you can’t pay, a personal guarantee poses a serious financial risk for directors. Read more about the specific issues caused by different types of guarantees, how to deal with your creditors and your options.
    Find out how we can help

    Bankruptcy
    We know that bankruptcy can be a worrying and confusing process. However, it is not always the worst-case scenario. Read on to find out more about the process, its impacts and your options.
    Find out how we can help

    Business Liquidation
    Liquidation is a complex and serious insolvency process, both for busineses and directors. Find out more about what liquidation means for you and what your best options are.
    Find out how we can help

    Business Rescue
    There are an infinite number of issues that can put your buiness under financial pressure. However, there are always solutions available. Find out more about how you can resolve your issues.
    Find out how we can help

    Directors’ Liability
    If you can’t pay, a personal guarantee poses a serious financial risk for directors. Read more about the specific issues caused by different types of guarantees, how to deal with your creditors and your options.
    Find out how we can help

    HMRC Business Arrears
    HMRC are one of the most difficult creditors any business can face and pose a serious threat to companies and directors. Read on to learn more about the specific issues you may face.
    Find out how we can help

    Property Debt
    We understand that property debt can be extremely stressful and may leave you feeling ‘trapped’ but there are always solutions, with the right help. Read on to find out more about your options.
    Find out how we can help

    Have You Been Served A Winding Up Petition?
    If you or your business owes a creditor more than £750, they could pursue you for this debt by issuing a winding-up petition. You may have already received a Statutory Demand or a County Court Judgement (CCJ), which if not dealt with then…
    Find out how we can help

    Received A Statutory Demand?
    A statutory demand is a written demand from a creditor for the repayment of an outstanding debt. It indicates that the creditor will begin formal insolvency proceedings against you if you do not respond or pay the money, they believe…
    Find out how we can help

    Should You Liquidate Your Company?
    Liquidation is the process by which directors agree to formally close their business and remove it from the company register. Depending on the current financial situation, this can take the form of a Members’ Voluntary Liquidation (MVL) for solvent companies…
    Find out how we can help
    See Your Real Options (Not Just the Expensive Ones)

    Why Choose Bell & Company

    Client-Focused:

    Founded by Terry Bell, we’re a family-led firm built on trust, integrity, and genuine care. Every client matters to us, and our approach is personal, compassionate, and focused entirely on protecting your interests.

    Experience That Delivers Results:

    With decades of experience across accountancy, insolvency, law, and finance, our team knows how to navigate even the toughest financial challenges. We find solutions where others can’t – helping clients regain control and achieve lasting results.

    Independent Advice, Always for You:

    We work solely for our clients, not their creditors. This independence allows us to design ethical, tailored strategies that protect assets and deliver the best commercial outcome for you.

    Free, No-Obligation Consultation:

    Our free initial consultation gives you clear, practical guidance based on your circumstances. We take the time to understand your situation and outline a strategy you can move forward with confidently.

    Trusted Nationwide:

    Recognised as one of the UK’s leading independent debt strategy firms, we’re known for our professionalism, transparency, and results-driven approach. Our pragmatic approach to creditor relationships helps us achieve the best results for our clients.

    ✅ Authorised and regulated by the Financial Conduct Authority (FCA).

    Contact us today to speak to a debt strategist.

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