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Bell and company cutting a personal guarantee debt in half
Case Studies

Reducing Personal Guarantee Exposure by 50%…..

Date

13 May 2025

When it comes to resolving personal guarantee exposure, we pride ourselves on delivering strategic, lasting outcomes for our clients, it is what makes us the UK’s leading debt strategist firm after all…

At the end of Q1 2025, we successfully achieved a settlement that saw us cut a client’s personal guarantee liability by more than half, giving them a fresh start and a future to rebuild.

A Business at Breaking Point

Our clients approached us during one of the most difficult moments of their long-term careers. Their company had fallen into insolvency, and with creditors closing in, they faced overwhelming debt, the threat of bankruptcy, and the potential loss of their family home.

Determined to move forward and rebuild through a new business venture, they needed time, space, and above all, a fair and workable settlement to avoid financial ruin and protect their future.

Strategic Negotiation, Real Results

From the moment our team were instructed, our goal was clear: lift the burden off our clients and create a commercially realistic resolution that would allow them to move forward.

Our team built a strong, evidence-backed case, clearly outlining the clients’ insolvency position, the limitations on available funds, and the fairness of the offer on the table. Transparency and honest, detailed financial details were key to addressing lender concerns and steering the negotiations toward success.

The Result?

Thanks to expert negotiation and unwavering commitment, we secured a settlement of £15,470 against a £42,385 liability, saving our clients £26,915!

This result not only protected our clients family home but also paved the way for them to restart their business journey, free from the threat of bankruptcy and long-term financial instability.

Facing Personal Guarantee Pressure?

This case highlights a crucial truth: personal guarantees don’t have to mean personal disaster. With the right strategy, professional representation, and early action, significant savings and lasting resolutions are possible.

If you’re facing creditor pressure, looming bankruptcy, or unresolved personal guarantee debts, don’t wait for things to spiral. Early intervention is the key to securing a favourable outcome. 

Take Control Today

📞 Book a confidential case review today: [Book a Free Case Review]

📚 [Explore Our Debt Advice Hub]: Watch another recent case study on how we settled a £680,000 Personal Guarantee for £110,000

⭐[Read Our Trustpilot Reviews]: See what our clients say about our services on Trustpilot.

Luke Logan

Debt Solutions Executive

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10/10 Experience and Result

I would like to thank Rory and the team for an excellent service and a first class result, a result that was much better than expected. Having Bell and Company on board has lifted all the stress and let me...

10/10 Experience and Result

I would like to thank Rory and the team for an excellent service and a first class result, a result that was much better than expected. Having Bell and Company on board has lifted all the stress and let me move on with running my business. Couldn’t recommend highly enough.

Mr Graham - GB

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