Dont Let Your Business Debt Become A New Year Crisis

The festive season may bring goodwill and joy, but for many business owners, it also brings financial pressures. Even as the holidays approach, creditors remain vigilant, and financial obligations don’t take a break – not even on Christmas Eve.

At Bell & Company, we know how quickly cash flow problems can snowball, especially during this time of year. Late payments, increased overheads, or unexpected expenses can put immense strain on your business, and high-interest quick loans or risky financing agreements only worsen the problem.

But you don’t have to face these challenges alone.

The Risks Of Ignoring Business Debt

Allowing debt exposure to grow during the festive season can have lasting consequences:

• Delayed payments from clients could leave your business unable to cover essential costs.
• High-interest loans may seem like a quick fix but often lead to worsening financial health.
• Creditor pressure doesn’t stop for the holidays, with potential legal or financial consequences for directors such as Statutory Demands and/or Winding-Up Petitions against your business.

A Smarter Way to Protect Your Business

Instead of reactive solutions, we recommend taking proactive steps to regain control of your finances:

• Review cash flow and prioritise payments.
• Avoid taking on high-interest financing that could compromise your long-term stability.
• Partner with experts who can help you navigate these challenges with confidence, so you can actually enjoy Christmas and look forward to a positive 2025.

At Bell & Company, we specialise in helping businesses like yours resolve financial difficulties and protect directors from personal liability. Whether it’s reducing debt exposure or negotiating with creditors, our dedicated team ensures your best interests are always at the forefront.

Help is Just a Call Away

We recently helped a client who faced a £84,574 demand from a litigious creditor after their company’s liquidation. Within three months of engaging us, we stopped legal proceedings and settled the matter for £18,000 on a full and final basis.

If you’re feeling the pressure of your current situation, let us help.

Read Other Client Testimonials

I found myself in a very difficult….

I found myself in a very difficult financial situation compounded by serious health issues. Having closed my company due to serious ill health I found out some months later that I owed a six figure DLA. I don’t mind admitting…

David Coleman – GB

See Full Testimonial

Close

I found myself in a very difficult….

I found myself in a very difficult financial situation compounded by serious health issues. Having closed my company due to serious ill health I found out some months later that I owed a six figure DLA. I don’t mind admitting going into a panic over the email and telephone call from company insolvency Practioners. I did a bit of research and reached out to Bell and Co. and from my first phone call to my last, a huge weight was lifted from my shoulders and I no longer didn’t felt alone in facing this extremely stressful situation. I would particularly like to thank Michael and Rory for standing side by side with and finding a fabulous resolution. When Rory told me what he had negotiated I was overcome with relief and joy at what had looked like a dire financial situation prior . Rory and the team negotiated a 93% reduction in DLA and for the first time I can say I was delighted to pay a professional fee. Bell and Co more than deserved their fee. A big thank you again and I would highly recommend Bell and Co to anyone facing similar stark financial situation I found myself in.

David Coleman – GB

I don’t normally write reviews but felt….

I don’t normally write reviews but felt compelled to after receiving such a positive experience and outcome. Rory was professional, empathetic and most importantly tenacious in his negotiations with my creditors. I urge anyone who requires an advocate, when faced…

DP – GB

See Full Testimonial

Close

I don’t normally write reviews but felt….

I don’t normally write reviews but felt compelled to after receiving such a positive experience and outcome.

Rory was professional, empathetic and most importantly tenacious in his negotiations with my creditors.

I urge anyone who requires an advocate, when faced with challenging financial circumstances, to contact Rory.

DP – GB

Successful Result!!!!

Having worked with Bell & Co in 2022, where they assisted me with several shortfalls on mortgages that came out of the credit crunch in 2010, I had to reconnect with them this year after one final property had been…

Charlie – GB

See Full Testimonial

Close

Successful Result!!!!

Having worked with Bell & Co in 2022, where they assisted me with several shortfalls on mortgages that came out of the credit crunch in 2010, I had to reconnect with them this year after one final property had been sold and the mortgage company were asking for the £100k shortfall payment!!
I had five accounts with this mortgage company and upon clearing four of them two years ago, the mortgage company agreed that the fifth and final property would fall under this one payment and no further payments would be required!
Having got this in writing and then receiving the demand for the shortfall for this fifth property, I spoke to Peter and Micaela at Bell & Co and after a bit of back and forth they managed to have the final property shortfall written off (as this had already been agreed previously) and the mortgage company then realised that I was due a rebate, of which I should receive in the New Year!!
All round a great result, which means I can draw a line under everything that happened 15 years ago and this was made so much easier with the support, professionalism and perseverance of the staff at Bell & Co!!
If you are having problems with debt and creditors then I would not hesitate to recommend these guys as they are good at what they do and in my case achieved a great result!!!!!

Charlie – GB