The head of our Restructuring and Insolvency team talking to a client

Personal Insolvency and Bankruptcy

We act on behalf of all parties and in all situations in the personal insolvency and bankruptcy arena, helping to minimise the distress and secure the best possible outcome.

Meet the team

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A man and woman sitting at a table in an office working together

Explaining the options and deciding the best way forward

Our experience in this field has given us strong relationships at both local and national level. Combined with our understanding of all perspectives, it means we can help ensure matters run smoothly, easing what is always a difficult time.

For individuals facing personal insolvency or bankruptcy, we can be the reassuring, practical and experienced team you need to guide you through the complexities and help you move on with your life.

One of our Restructuring and Insolvency Partners smiling in an office

Whether it’s pressure from a creditor, the threat of court proceedings or when a bankruptcy petition has been served, we can help you understand your options and how to achieve them.

We can talk you through the formal insolvency procedures that may apply to you, including an Individual Voluntary Arrangement, a Debt Relief Order and bankruptcy itself. We can also help if you’re looking to set aside a statutory demand.

In the aftermath, we can continue to be by your side, for example by providing guidance in relation to claims by your trustee in bankruptcy concerning the family home.

A Restructuring and Insolvency Partner talking to a colleague

Support for trustees in bankruptcy

We work with trustees in bankruptcy too, guiding you through your duties and obligations. We assist with realising assets into the bankruptcy estate, whether it’s selling the family home or seeking the return of assets or sums paid to a third party by the debtor before they were made bankrupt.


Recognition of our work

Investors in People

Investors in People

Recommended for Quality

Recommended for Quality

Legal updates and thought leadership

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Hear what our clients say about us

I have worked with Sam now on many turnaround assignments over the last 15 years. I have always found him to be extremely focused and user-friendly with an innate ability to engage successfully with all key stakeholders. I have worked particularly closely with Sam on mid-market manufacturing and retail assignments, as well as large national charities. I would always recommend Sam to directors who need expert legal assistance in navigating difficult times and support with engagement with all stakeholders as they drive towards a successful turnaround.

Dr Mark Taylor Bluesky Associates Turnaround & Transformation Advisory LLP

Sam is great at building relationships, has a strong knowledge of the marketplace and will make introductions to relevant third parties. He is proactive and very commercial, coming up with suggestions and solutions that we hadn’t thought of. Sam doesn’t just focus on the legal documentation, but also uses his mind to find ways forward. He is very down to earth and is never difficult to get hold of. Sam offers a genuine, partner-led approach.

Jo Power FRP (previously ExWorks)

This is the best news, thank you so much. Deanne, you have been wonderful throughout and especially helping me with my serious upset and frantic feelings, you have gone above and beyond anything expected.

I am so grateful for all your kindness throughout this whole process.

Client Winding up petition

They are ready to move at short notice to deliver a great outcome.


Legal 500 2024 – Insolvency and Corporate Recovery

The team headed by Sam Payne is well rounded, pragmatic and cost effective, covering all types of corporate insolvency assignments.

Legal 500 2024 – Insolvency and Corporate Recovery

The team can call on a wide variety of talent. There is plenty of diversity amongst the team and they are solution driven.

Legal 500 2024 – Insolvency and Corporate Recovery

I find the team’s approach to be fast, effective and agile.

Legal 500 2024 – Insolvency and Corporate Recovery

Sam’s excellent understanding of all intricacies of both the financial and insolvency aspects to this administration, and his great team, are why we continue to instruct them.

Damian Webb RSM

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