Case Studies

From Fear to Freedom: How We Stabilised £400,000+ of Debt and Saved a Business Owner Over £160,000

The crippling pressure of debt doesn’t just sit on a balance sheet; it touches every part of a business and the person behind it. For one dedicated technology and software consultancy owner, a sudden contract collapse combined with personal challenges…

Saving a Domiciliary Care Business: Securing a £238,000 Time To Pay Arrangement with HMRC

Read how we turned around a failed HMRC Time To Pay Agreement and imminent asset seizure for a care business.

The Strategy Behind A 100% Negative Equity Debt Write-Off

Combining strategic expertise and compassionate advocacy, Bell & Company achieved a full debt write-off on negative equity debt.

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

Personal Guarantee Settlement: Facing bankruptcy? Discover how our experts protected a family’s home and secured a 90% debt reduction.

85% Debt Reduction: The Strategy that Secured a £90,000 Settlement and Ended the Threat of Bankruptcy 

Facing £600,000 in debt and the threat of bankruptcy, we mounted a strategic defense that secured an 85% reduction, saving the client’s family home.

Overdrawn Loan Account Help for Directors & Avoiding Personal Bankruptcy

Facing a personal liability from an overdrawn director’s loan account? Learn how Bell & Company helped a director avoid bankruptcy and negotiate major debt reductions.

Personal Guarantee Strategies: Protecting UK Businesses and Directors

One of our clients faced a spiralling PG liability, escalating from £118,563 to a staggering £311,827.

Gym Business Insolvency & Personal Guarantee Success

From Crisis to Comeback: How We Slashed a £330K Debt by 50% and Saved a Gym Director from Personal Liability.

Why UK Hospitality Businesses Are Struggling in 2025 – And Solutions

The UK hospitality sector faces an unprecedented crisis. Despite a post-pandemic rebound and a brief boost from domestic tourism, the long-term outlook for many bars, restaurants, hotels and catering companies is bleak.

When Debt Follows You Home – Business debt turned personal liability.

With a £750,000 family home at risk and no engagement from a co-guarantor, our client faced financial collapse. Bell & Company stepped in, securing a full and final settlement of £25,000 on a £69,233.74 liability — protecting their home, avoiding bankruptcy, and giving them a fresh start.

Reducing Personal Guarantee Exposure by 50%…..

We helped a client reduce their personal guarantee liability from £42,385 to £15,470—saving over £26,000. With strategic negotiation and expert support, we secured a life-changing outcome that protected their home and enabled a fresh business start.

How to Negotiate a Full and Final Settlement

When financial pressure hits, it can feel like there’s no way out — especially when the stakes are as high as your family home. But at Bell & Company, we know that behind every debt is a story, and behind every story is a solution waiting to be found. In…