Individual Voluntary Arrangements (“IVA”)
IVA’s can be a really good way to solve your financial problems if you are able to make an offer to your creditors that they are likely to accept. MORE...

Bankruptcy
Bankruptcy is an insolvency process which is started by a bankruptcy petition. This can either be brought by you as someone who owes the money, or by someone you owe money to. MORE...

Comparing bankruptcy and an Individual Voluntary Arrangement
Bankruptcy and an Individual Voluntary Arrangement both deal with personal insolvency in a fixed period of time. MORE...

email us at info@carmichaelsinsolvency.co.uk

If you have a personal finance problem, you are not alone. Even though this is the first time you have had these problems, Carmichael & Co deals with them every day, and can usually put your mind at rest very quickly giving you the best advice for your circumstances.

The pages in this section of the web site deal with the best way forward if you have personal finance problems. If your company has a problem, please look here.

If someone owes you money and you have been contacted by the Licensed Insolvency Practitioner acting for them, please please look here.