Case Studies

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…

How Bell & Company Secured a £103,000 Debt Reduction for a retail business owner.

After his business went into administration, our client was hit with a £183,000 personal guarantee demand from an aggressive FinTech lender. With legal threats mounting and bankruptcy on the horizon, he turned to Bell & Company. Through expert negotiation and strategic planning, we slashed the debt down to £63,000 —…

Turning a £540,000 Loan Threat into Victory.

When a £540,000 secured loan threatens to strip away everything you’ve built, what stands between you and losing generations of family legacy? Today, I’ll share how we protected not just an asset, but an entire family’s future.

£72,000 HMRC Winding-Up Petition AVOIDED.

Our client faced a significant liability with HMRC, and the company was under the imminent threat of winding-up proceedings if the matter wasn’t resolved. The following case study highlights how we assisted the client in addressing the Revenue liability and navigating the challenges posed by HMRC’s actions.

Resolving Overdrawn Directors’ Loans: Protecting Our Clients Assets

When it comes to compulsory liquidation, many business owners aren’t aware that an overdrawn directors’ loan account is viewed as an asset of the company and therefore an insolvency practitioner’s role is to recover the full amount, alongside the potential for additional costs, fees and interest that can be added….

Overdrawn Directors’ Loan Account – AVOIDING Bankruptcy.

Every business debt-related challenge has a solution. This recent success story highlights our dedication to achieving positive results, even in the most challenging financial circumstances.

Reducing a Six-Figure Business Debt by 80%

In the world of business debt resolution, the key to success often lies in strategy, timing, and negotiation. This case study highlights the importance of expert intervention in reducing financial liabilities and avoiding the drastic consequences of bankruptcy.

Exposing Hidden Risks: When PG Exposure Threatens Your Family’s Financial Security

This case study underscores the broader impact that business debt has on entire families, particularly where personal guarantee exposure is prevalent.  “Personal Guarantee Advice”…that’s exactly what our client had typed into Google to find Bell & Company. He liked the…

Debt Relief Success: Saving Family Home After Unexpected Loss 

Our client faced a heartbreaking situation after the sudden passing of her husband. In addition to the emotional turmoil the family were going through, they were also facing repossession threats due to a £437,000 debt which was secured against their…