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what is bankruptcy declaring bankruptcy alternative solutions fees blog contact how to declare bankruptcy -- go bankrupt in 3 simple steps 1. complete our quick enquiry form 2. speak to a bankruptcy expert about your options 3. bankruptcy help and advice will be given see if you qualify → 1. complete our quick enquiry form 2. speak to a bankruptcy expert about your options 3. your bankruptcy application will be completed for you about bankruptcy bankruptcy is a big step and is not suitable for everyone. it is strongly recommended you speak to a trained bankruptcy advisor first before proceeding. learn more about the fees we have put together guides on the fee structures for the services we offer. learn more impartial advice you can get free impartial advice on your finances from the government's money advisory service. learn more please remember if you choose to restructure your debt over a longer term it could affect your credit rating and cost you more. learn more introducing bankruptcy what is bankruptcy? bankruptcy is a solution to clear all your unsecured debts if you have little or no money available to repay your creditors. once bankruptcy has been declared, any surplus assets you have are then shared equally amongst your creditors. once your discharge has been received from your official receiver, your unsecured debts are usually written off subject to certain limitations. can i go bankrupt? bankruptcy should be considered as a last resort to solving your debt problems. if you have little or no money and no way of raising money to repay your unsecured debts then bankruptcy may be the only option available to you. it is recommended you speak to a professional bankruptcy advisor to see what your debt options are before declaring yourself bankrupt. professional advice you must seek professional advice before you go bankrupt yourself. it may seem very tempting to think of being debt free especially if you have a high amount of debt, but there are some drawbacks to bankruptcy to be aware of, and you can learn more about here your options if bankruptcy is the correct solution for you, you will be advised on how to go bankrupt and how to start your bankruptcy application. you will also be advised on alternative debt solutions should you qualify for one of them. operating on a best advice policy, you will be presented with the facts about each option and it will be your choice on which solution to go for. learn more about bankruptcy limitations to bankruptcy your credit rating bankruptcy can also have a severe effect on your credit rating. if a debt has been included into your bankruptcy then the creditor will mark the account in default. the default could remain on your credit file for up to 6 years from the date the default was issued. your home if you are a home owner with equity in your property your share of this will normally have to be released for the benefit of your creditors. if there is little or no equity in your property then it is likely that your property will be safe from bankruptcy. your profession you will be unable to act as a company director or be involved in the management of a ltd company whilst your are bankrupt. there are also some professions that are affected by bankruptcy such as accountants, solicitors and people involved in financial services. reduced borrowing you will be unable to borrow more than £500 without informing the lender you are bankrupt our policy we want you to put your trust in us. at bankruptcy clinic, we’re not just concerned about doing things right. we also want to do the right thing. that’s why when you become a client, our promise to you is: you will be provided with the highest standards of client service quality is at the forefront of everything we do for you you will be treated with respect and dignity at all times you will be offered advice that is clear, straightforward and simple to understand you will find us open, approachable and friendly our fees will be transparent and reasonable with no hidden surprises essential reading insolvency service in debt guide dealing with your creditors insolvency service guide to bankruptcy contact bankruptcy clinic is a trading style of fresh finance marketing ltd 34 holmebrook drive horwich bolton lancashire bl6 6rh tel: 0800 520 043 about fresh finance marketing ltd is a web company who offer debt advice solely via the information displayed on our websites. all of our enquiries are passed to our trusted partner revive solutions uk ltd. revive solutions uk ltd. company registration: 04925788 financial conduct authority: 549562 data protection: z1620786 essential reading dealing with your creditors money advice service the money advice service is an impartial service set up by the government. they provide free debt counselling, debt adjustment and credit information services legal complaints procedure privacy policy about us cookie policy this website uses cookies, in continuing to use it you're accepting our cookie policy close x about our fees at bankruptcy clinic we are committed to providing you with the highest level of service. our partner revive solutions charge a fee for the service they provide. as they do not receive funding from any other sources, the charges they make to you for using their services helps them maintain their overheads and provide a service to you. to ensure you have all the information you need to make the right decision, we have put together some clear guides on the different fee structures across debt management plans, ivas, trust deeds and bankruptcy. bankruptcy in order to carry out a bankruptcy case, our partner company revive solutions will agree to act for you for a fixed fee. the fees they charge you are to cover the cost of their service to you for the following: advising you as to whether bankruptcy is in your best interests and advise you of all the options that are available to you in dealing with your debt. completion of the bankruptcy documents in readiness for your bankruptcy hearing. notifying your creditors of your present position and your intended course of action. arranging your bankruptcy hearing at court. please note your attendance will be required at court on the day of the hearing. dealing with any queries you may have before the bankruptcy order is made. in addition to their fees (typically five hundred pounds), there are disbursements that you will need to pay in order for the court costs and the official receiver to process your bankruptcy application. these fees currently total seven hundred and five pounds. revive solutions will notify you if this fee increases during the course of your bankruptcy. payment of this fee must be made to the court upon the lodging of your paperwork. the court will not accept payment of this fee by way of a personal cheque. payment of the fee must be in cash or banker’s draft. if you are in receipt of certain welfare benefits or are in receipt of a low income you may be able to get a fee remission on part of the court fee. if you are in receipt of benefits you may be able to secure a reduced fee in respect of the court fee. there is no fee remission in respect of official receivers fees, which will always be payable regardless of income. they will advise you if we feel that you may be eligible for a fee reduction. in the event of your circumstances being unusually complex or difficult, they reserve the right to charge you additional fees for using their services. if it is their intention to make an additional charge to you, they will advise you of what their revised charges will be before they render those charges to you. if you are not agreeable to their revised charges, you can terminate their instructions and they will provide you with further information as to the source of alternative debt help services. in these circumstances you will not be entitled to a refund of any payments you make to us unless they have acted in breach of our terms of business. once they have prepared your bankruptcy forms and forwarded these to you, or upon termination of this agreement, they will transfer from their clients account the sums you have paid to them on account of their charges to their office account. what their fixed fee does not cover should you require them to provide additional advices to you after the bankruptcy order has been made this is not a service which they are presently providing within the fixed fee structure as set out above. should you require additional advices from them post bankruptcy they would be willing to provide those to you and we will advise you beforehand what the additional charge to you will be. this will be calculated on an hourly rate, which they will agree with you prior to any charges being made. they will ask you to make a payment to them on account of their costs. for more information on their fees, please visit revive solutions's bankruptcy client care booklet find out more about the services we provide ↝ learn more about bankruptcy debt management debt management fees can be broken down into 2 types: the setup fees the management fees. the setup fees charged are to cover the costs incurred in advising you and setting up your debt management programme with your creditors. our partner revive solutions will charge you fifty percent of your first six monthly payments into your programme. in other words, your creditors will only receive fifty percent of your payment for the first six months. the remaining fifty percent will be retained by revive solutions to cover their fees and will not be distributed to your creditors. the management fee covers the monthly running of your debt management plan, including distributing payments and dealing with all of your correspondence to and from creditors. they charge a fee of either a minimum of £30 or 20% of your monthly repayment. your fee will never exceed the amount paid to your creditors and is deducted from your monthly payment; the remaining monies are then distributed to your creditors from month one of your plan. for more information on their fees, please visit revive solutions's dm client care booklet find out more about the services we provide ↝ iva there are three fees associated with an iva, the initial assessment fee, the nominee fee and the supervisor fee. below is an explanation of these fees and how they are charged. if an iva is recommended as a suitable solution for you, and you decide to proceed, 123 debt solutions will conduct a comprehensive review of your personal financial circumstances and submit your case to the insolvency practitioner. our partner company 123 debt solutions will require a fixed fee of your first two monthly payments to carry out the services below in helping you setup your iva. advising you on all the options available to you. collating all the documents that are needed to verify the value of any assets you own. preparing the first draft of your income and expenditure schedule. collating details of your creditors and writing to advise them of the position and seek up to date balances on your accounts. liaising with your and your creditors. your second month’s payment covers: verifying your financial statement in reference to your documents. verifying the advice we have given to you. dealing with any creditor enquiries. seeking any additional information needed and drafting your proposal documents. handing over your file to your insolvency practitioner. the first monthly payment that you pay will be transferred from their clients account to their office account upon you returning your completed pack. in relation to your second payment, this sum will be held in their clients account until they are in a position to transfer your file to beesley solutions ltd. upon transfer of your file, they will also transfer your second payment from their clients account to their office account. regardless of the outcome of your creditors meeting, they will retain their payments to cover their costs in providing a service to you. while they collate this required information, your creditors will not receive a payment from them. the two monthly payments that they retain as fees are inclusive of disbursements. the size of your debt will increase during this period. at the moment, subject to your consent and any preferences you may have, they refer almost all of their iva clients to mark beesley of beesley solutions ltd. beesley solutions ltd is a company owned and managed by mark beesley and elizabeth beesley. mark beesley is the husband of elizabeth beesley, the owner of 123 debt solutions. mark beesley is a fully license insolvency practitioner. beesley solutions ltd is a separate company to 123 debt solutions and is regulated by the acca. if it is their intention to refer your case to another company other than beesley solutions limited, they will advise you of the reason for this and seek you consent prior to so doing. throughout this preliminary two month period whilst they are acting for you, they will contact your creditors to let them know that you will be putting forward an iva to them and give an approximate timescale for your creditors meeting. we will deal with any queries your creditors have whilst they await receipt of the completed proposal and notice of the date of your creditors meeting. the level of your outstanding debt will increase during this period, as no payment will be disbursed during this initial two-month period. it is essential therefore that you provide them with the information they request as soon as possible in order that your iva can be progressed to creditors meeting as soon as possible. additional charges that may become payable during your instruction if during the course of providing their services to you they formulate the view that an alternative debt solution would be more appropriate to your circumstances, they will immediately explain and advise you of this and clarify your revised options. should you agree than an alternative solution may be more appropriate, there may well be additional work that they may have to undertake for you. if your iva fails, the monthly payment you have made pending the outcome of your creditors meeting will be retained by us and not disbursed to your creditors. they, and no doubt your nominee will advise you of the alternative available to you if this happens. overall iva costs in addition to the charges set out by 123 debt solutions, there are additional costs which will be incurred by your insolvency practitioner in progressing your case to creditors meeting and managing your iva for its duration. your insolvency practitioner’s fees are divided into two categories. nominees fees these are fee incurred by the insolvency practitioner for agreeing to act for you and for holding your meeting of creditors. the fee chargeable is typically five monthly payments. the nominees fees are paid out of the proceeds of the arrangement. supervisors fees once your iva has been approved by creditors, your nominee becomes your supervisor who will be responsible for monitoring and supervising your proposal for its duration. the fees that are chargeable for this are usually expressed as a proportion of what is recovered for your creditors in the iva – usually 15% of realisations. (in other words 15%of the total payments you make in your iva). alternatively fees may be dependent on how much time your insolvency practitioner spends in supervising your arrangement. please note that all insolvency fees ie nominee and supervisors fees are paid out of the proceeds of the arrangement. you would not be required to make any additional payments in respect of nominee’s and supervisors costs. you will be provided with details annually of your supervisor’s fees in the annual report that he will prepare and which will be forwarded to you and your creditors. example case the following is an example of how iva costs are calculated on a monthly payment of say £250 if your iva is approved and successfully concluded. voluntary contributions are 60 monthly payments of £250 = £15000, nominees fees are usually 5 monthly payments the voluntary contributions amount to 5 x £250 = £1250 supervisors fees usually 15% of realisations ie the total amount you pay into the arrangement= £2,062 total amount available for creditors is £11,688 total costs = £3,312 to the insolvency practitioner paid out of the monthly payments you make into the arrangement. the sum of £11,688 will be payable and distributed to your creditors in full and final settlement of all your debts. these figures are in addition to the 2 monthly payments you will make. you will have already been provided with an outcome statement that compares the estimated costs and duration of your undertaking an iva or alternatively an informal debt management programme more information about iva fees charged by 123 debt solutions and beesley solutions ltd can be found here protected trust deeds 123 debt solutions do not offer protected trust deeds nor sequestration in house but do have approved partners who will be able to assist you with any of the scottish debt solutions. for preparing your case a referral fee will be payable to 123 debt solutions by their partners. find out more about the services we provide learn more about our bankruptcy alternatives our fees bankruptcy clinic is a trading style of fresh finance marketing ltd (ffdm). ffdm is a web marketing company who receive a fixed marketing fee each month from revive solutions for maintaining and marketing the debt advice online, bankruptcy clinic and fresh finance websites. all enquiries received from the above 3 websites go direct to revive solutions. free services if you would prefer a free debt service then free debt counselling and advice is available from the money advice service at www.moneyadviceservice.org.uk a bankruptcy example typical case before bankruptcy debt owed by customer (credit cards, loans, store cards and overdraft) : £19,110 number of creditors : 7 monthly payments : £650.00 typical case after bankruptcy debt owed by customer : £0 monthly payments : £0 typical bankruptcy costs court fees: £175 official receiver fees: £525 professional/legal fees: £500-£700 typical bankruptcy costs: £1,200+ close

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http://www.bankruptcyclinic.co.uk/dealing-with-your-creditors.pdf
http://www.bankruptcyclinic.co.uk/tel:0800
520
0543
http://www.bankruptcyclinic.co.uk/docs/dg_179015.pdf
http://www.bankruptcyclinic.co.uk/#mymodal
http://www.bankruptcyclinic.co.uk/complaints.html
http://www.bankruptcyclinic.co.uk/privacy.html
http://www.bankruptcyclinic.co.uk/insolvency-guide.pdf
http://www.bankruptcyclinic.co.uk/bky-client-care-booklet.pdf
http://www.bankruptcyclinic.co.uk/our-fees.html
http://www.bankruptcyclinic.co.uk/how-to-declare-bankruptcy.html
http://www.bankruptcyclinic.co.uk/tel:0161
660
9991
http://www.bankruptcyclinic.co.uk/iva-client-care-booklet.pdf
http://www.bankruptcyclinic.co.uk/index.html
http://www.bankruptcyclinic.co.uk/dmp-client-care-booklet.pdf
http://www.bankruptcyclinic.co.uk/blog/
moneyadviceservice.org.uk

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