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Daniel Griffiths at The Bankruptcy Helpline

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Why can I help?

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I am someone you can talk to, I am someone you can rely on not to take advantage of you, sometimes just someone to talk with can help, I am totally on your side the credit industry does not support me, but over the last 18 years I have learned to understand people’s emotions and fears of living with debt, it is a fact, poor mental health with depression, should not live with debt, please, you can email me, or call me, I work from home I am always available 7 days a week, till 10 pm Call me 07970 508345

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Since 2006 I have completed a few thousand bankruptcy applications, I have seen all situations, amongst the people I have helped reset their lives are Sole Traders, Nurses, Police officers, Publicans, Taxi Drivers, the Self-employed, and clients with tax liabilities they cannot pay, working people and the unemployed. Being in debt is miserable, it creates and feeds depression and anxiety, it has no class status, there is no need to allow debt to destroy your mental health.

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We do need to chat about your circumstances, I can give you some information on the process, what to do, and more importantly what not to do,  I can also do this for you, we can do it together, and I will be with you all the way, I will charge you for the year what a solicitor will charge you for one hour, I could save you my fee entirely in the Income and Expenditure alone, my service could be better than free, call me 07970 508345

Welcome to the Bankruptcy Helpline

Since 2005, I have attended over 100 county courts in England and Wales, helping people enter voluntary bankruptcy and come out debt free in 52 weeks, many have now become friends, everyday people maybe just like you who have come to the point of needing a helping hand and a fresh financial start to their lives.

From the 6th of April 2016, I can now fully complete your bankruptcy application, help you with the telephone interview, and support you for 12 months, without the need for you to leave home or take time off work, we do not need to meet, but we can travel this road together, it can all be done as quickly as you require, in less than one week if required.

My total costs for this service is from £310 to £550 depending on your circumstances, some clients are sole traders and have a role in a limited company, I can confirm costs once we have had a chat about your circumstances.

I charge for 12 months what a solicitor will charge you for one to two hours, I would be shocked if I cannot save you at least this in just the incomings and outgoings, my service could be better than free.

If you have already gone down this route and need some help, if I can I will help you for free, however, I cannot now undo what has already been done, but call me let’s give it a shot.

Voluntary Bankruptcy is the quickest route out of debt and for some a very positive solution to dealing with debt, and unlike an IVA, it cannot fail, in an IVA you only get a discount on your debt at the final payment in five or six years, I have lost count how many clients I have rescued from an IVA who despite paying thousands in fees the IVA has failed.

Please be aware many companies on the internet will want you to avoid bankruptcy and do an IVA, they make a lot of money from IVAs, now that is fine but ask them to explain to you why an IVA is better for you than bankruptcy, this may be difficult as many of these companies are simply marketing agents who know little about Insolvency, they package up and pass your details on to Insolvency Practitioners for a finders fee normally between £800 to 1100 pounds

The clients I serve are people who have already decided on voluntary bankruptcy, they want it done properly, done quickly, they want it to be approved, and assurance the passage to debt freedom is as smooth as it can be, with someone at the other end of the phone, any day any time, who can help if and when needed for the duration of bankruptcy normally 52 weeks.

It is with enormous pleasure when I hear from past clients,  many I helped quite some years ago, who call me to ask for help, for a relative, work colleague, or friend, to catch up on how their lives have turned around when they were once in the depths of despair this is my best reward having helped make it happen.

I have done this for a long time, and I fully understand you are not at a good place right now, you want to pay your creditors, but you simply cannot, you have stopped answering your phone, you do not open your post anymore and you dread the knock at the door, seriously you do not have to live like this, being in debt is not a crime, BUT letting it ruin your life certainly is.

Personal bankruptcy can for so many, be a positive action, it can be used as a cure for anyone who is financially ill, it has helped my clients rebuild their esteem, help recover from their depression, and start to live again, it is with enormous pleasure that many of my clients keep in touch with me for years after I have served them, it is very rewarding to see how their lives are turned around.

Over the years, I have helped Publicans, Nurses, Police Officers, GPs persons with Gambling addictions, the self-employed with tax liabilities, and the unemployed people from all walks of life.

Please be in no doubt like any other debt solution your credit file will be shot for six years, if you are reading this then it’s possibly bad in any event.

Whether you want to proceed, or just want some information call me, over a year I complete on average 60 to 80 Bankruptcy Applications just enough to give good service to my customers.

I am so easy to speak to, and you can speak with me anytime, and I will sincerely promise you if you call me in confidence there will be no pressure, no sales talk, I would not be so rude, I will never try to push you down this route, any route out of debt needs to always be your decision after weighing up all your options, you can call me evenings and weekends,

I am here to talk to, let’s face it sometimes just someone to talk with can help, you may not even need my service, you will only ever talk with me, my phone is always with me, I am about till 10 pm seven days a week, my name is Daniel on 07970 508345 daytime or 01785 823329 evenings or email mail@thebankruptcyhelpline.co.uk

If you answer YES to most of these question then, Voluntary Bankruptcy maybe the answer for you!

1. Are Creditors and Debt Collectors making your life hell?

2. Is the worry and stress of your Debts getting you down?

3. Are you receiving threatening calls from Creditors?

4. Do you need help with your debts?

5. Are any of your goods about to be repossessed?

6. Are you selling your assets to pay off your Debts?

7. Do you require help to get out of the Debts Trap?

Voluntary Bankruptcy allows you to control your debt situation BEFORE one of your creditors takes you through the court system and/or the Bailiff comes knocking at your door with a warrant to possess your goods.

Your debts called unsecured debts, which might include credit cards, store card debts, personal loans, mobile phone accounts, and utility debts are all canceled if you proceed with Voluntary Bankruptcy. Once you are bankrupt your creditors, by law, must then stop calling you, or harassing you. The threatening letters will stop, all of which are making your life a misery. You can start to live again, enjoy picking up the phone, looking forward to your daily post, and opening the door with confidence.

How Debt Accumulates – You may have experienced a period of unemployment, reduced employment, ill-health, or a relationship breakdown. This may have meant using credit to pay your bills as a short-term remedy.

Managing Debt – Getting into debt is easy especially when the banks and finance companies seem so willing to provide you with credit cards and store cards.

The Bankruptcy Helpline in England and Wales provides help and assistance for anyone considering Voluntary Bankruptcy. We help manage debt, creditors, bankruptcy, debts, credit card debt, debt relief, debt assistance, debt problems, debt collectors, debt help, and debt advice. The British Government, via the Enterprise Act (2002) has put provisions in place to enable people to become debt-free and get on with their lives again – stress-free! “Bankruptcy provides legitimate relief from debts incurred by those who are in genuine financial difficulty”. If you have overwhelming debt problems and creditors are threatening you with Court Action or you have been issued a Court Summons from one of your creditors, it may be time to consider voluntary bankruptcy. However you should always take advice from trusted sources, the Money Advice Service is a good starting point, as other options need to be considered in dealing with your debts. This is important as the general rule in bankruptcy is you swap your assets for your debts, it is only Tools, Books, and Vehicles needed for your job or vocation (providing existing items cannot be replaced at a lower value and personal possessions of small value that are exempt.

Most people who have debt problems have been through a period of unemployment, reduced employment, relationship breakdown, and prolonged illness. They started to use credit as a means of bridging the gap between their reduced income and their soaring financial commitments. Though most people say that they would prefer to pay off their debts in full, they find that debt collectors, banks, and finance companies put unreal demands on them and it becomes impossible to continue paying off all their debts. Bankruptcy is usually considered the worst-case scenario when you are faced with overwhelming debt problems. These days, fortunately, there is no longer the same stigma about bankruptcy. The relief at not having the stress of continual debt problems far outweighs any negative thoughts about bankruptcy.

Voluntary bankruptcy puts you back in control of your situation. Generally, the debt collectors are silenced. You do not have to appear in Court. You will have all of your unsecured debts such as credit card debts, mobile phone debts, and personal loan debts wiped from the slate. The period of bankruptcy is generally 12 months although you will have a bad credit rating for 6 years most people considering bankruptcy will know that they already have a bad credit rating.

The Solution to Debt Problems – To help you recover from overwhelming debt situations, the British Government brought in The Enterprise Act 2002 which means since the 1st April 2004 there have been considerable changes to the laws concerning Bankruptcy in England.

Previously, Bankruptcy would typically last for a period of 2 to 3 years, but now the majority of bankruptcies will be discharged after only 12 months.

The law was changed to give those with genuine cases of financial hardship the opportunity to be free of their indebtedness.

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