Our Services

Bankruptcy Assistance

Breathe Financial Solutions offers expert guidance through the entire bankruptcy process. We understand that facing bankruptcy can be stressful and overwhelming, which is why our consultants provide compassionate support every step of the way.

We can help you determine if bankruptcy is the right option for your situation, guide you through the filing process, and develop strategies for rebuilding your financial life after bankruptcy.

Our Bankruptcy Service includes:

• Comprehensive assessment of your financial situation
• Guidance on the bankruptcy application process
• Representation at bankruptcy hearings
• Support throughout the bankruptcy term
• Advice on rebuilding your credit after bankruptcy

Annulment from Bankruptcy

If you've been declared bankrupt but your circumstances have changed, or you believe the bankruptcy order should not have been made, we can help you apply for an annulment to cancel the bankruptcy order.

Our experienced team can guide you through the complex process of annulment, helping you gather the necessary evidence and represent your case effectively.

Our Annulment Service includes:

• Assessment of your eligibility for annulment
• Assistance with paying debts in full (Section 282(1)(a))
• Support with proving the bankruptcy order should not have been made (Section 282(1)(b))
• Guidance on the approval of an IVA (Section 282(1)(c))
• Representation at court hearings

Individual Voluntary Arrangements (IVAs)

An Individual Voluntary Arrangement (IVA) can be an effective alternative to bankruptcy. It's a legally binding agreement between you and your creditors that allows you to repay your debts at an affordable rate over a fixed period, typically five years.

Our experienced team can help you determine if an IVA is suitable for your circumstances and guide you through the entire process, from proposal to completion.

Our IVA Service includes:

• Assessment of your eligibility for an IVA
• Preparation and submission of your IVA proposal
• Negotiation with creditors on your behalf
• Ongoing support throughout the IVA term
• Assistance with annual reviews and changes in circumstances

Insolvency Litigation Service

Expert legal representation for insolvency matters, ensuring your rights are protected throughout the process.

Creditor Debt Negotiations

Our expert team specialises in negotiating with creditors and third parties on your behalf to achieve the best possible outcomes for your debt situation. We understand the complexities of dealing with multiple creditors and can help you navigate through the process.

Creditor Debt Negotiations

Our Creditor Negotiations Service includes:

• Direct communication with your creditors
• Negotiation of reduced payments and interest rates
• Arrangement of payment plans that work for you
• Handling of creditor correspondence
• Protection from aggressive collection tactics

HMRC Negotiations

We also specialise in negotiating with HMRC and other goverment agencies including the Official Receiver and their solicitors to help you resolve tax debts and arrange manageable payment plans. Our experienced team understands the complexities of tax debt and can help you find the best solution for your situation.

Our HMRC Negotiation Service includes:

• Assessment of your tax debt situation
• Negotiation of Time to Pay arrangements
• Representation in HMRC discussions
• Support with tax debt management
• Guidance on tax compliance

Debt Management - Self-Help

A Debt Management Plan (DMP) is an informal agreement between you and your creditors to repay your debts at a rate you can afford. It can be an ideal solution if you have a regular income but are struggling to meet your monthly debt repayments.

We analyse your current debt situation, help you prioritise payments, and develop a personalised plan that works with your budget. Our approach is supportive and non-judgmental, focused on solutions rather than past decisions.

How we can help:

• Comprehensive debt assessment
• Strategic debt repayment planning
• Negotiation with creditors for reduced payments
• Assistance with stopping interest and charges
• Ongoing support throughout your DMP

Credit Rating Repair

We help you rebuild your credit score and improve your financial standing through professional credit repair services.

Debt Collection Service

Professional debt collection services to help recover outstanding debts while maintaining positive relationships.

Contract Work for IP's

Specialised services for Insolvency Practitioners, providing expert support and assistance in complex cases.