Personal Insolvency Solicitors

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Personal Insolvency Help You Can Trust

Spratt Endicott’s Personal Insolvency Solicitors expert team provides straightforward and pragmatic expert advice on a wide range of issues surrounding personal insolvency. Whether you are seeking to avoid bankruptcy or have been made bankrupt, our personal insolvency experts can assist.

We know that facing financial difficulties is stressful. Don’t let creditor pressure overwhelm you. With our wealth of knowledge and experience, we can help you find a solution for your financial difficulties. The quicker you seek personal insolvency help, the more effective the solution.

Who we work with

We act for both personal insolvency practitioners and private individuals, whether in their personal capacity or in their capacity as sole trader, member of a partnership or director or shareholder.

How can our Personal Insolvency Experts Help?

Our Personal Insolvency solicitors will work closely with you to understand your personal situation and the nature of your financial difficulties. We have extensive contacts with lenders, finance companies and insolvency practitioners, enabling us to help you find the best possible solution to your financial problems.

Because our personal insolvency experts also acts for creditors and insolvency practitioners, it fully understands what drives creditor claims and claims brought by a trustee in bankruptcy. As such our personal insolvency solicitors are ideally placed to provide advice on how best to deal with such claims.

Personal Insolvency Help And Advice We Offer (without limitation)

  • Creditor claims
  • Individual Voluntary Arrangements
  • Applications to set aside statutory demands
  • Issuing and defending bankruptcy petitions
  • Applications to validate payments or property transfers following the presentation of a bankruptcy petition
  • Bankruptcy annulment applications
  • Claims involving the matrimonial home
  • Possession proceedings
  • Preference claims
  • Transactions at an undervalue claims
  • Income payment arrangements and applications
  • Applications to suspend discharge from bankruptcy
  • Personal guarantees

Statutory Demand Legal Advice

Statutory demands should only be served in respect of undisputed debts. If a statutory demand is based on a disputed debt, then an application can be made to have the statutory demand set aside. We advise creditors and debtors on how the court will assess a dispute and assist with applications to set aside statutory demands. We also assist in negotiations to repay or secure the debt to try and prevent the issue of bankruptcy proceedings. If you have been served with a statutory demand, then you need to seek help immediately. You only have 18 days within which to act, to prevent the issue of bankruptcy proceedings.

Bankruptcy Legal Advice

We assist trustees in bankruptcy with the realisation of assets and all other aspects of the bankruptcy process. We advise bankrupts on whether it is possible to annul their bankruptcy and assist them and their families with all types of claims brought by a trustee in bankruptcy, such as claims against the family home, preference claims, transactions at an undervalue claims and income payment arrangements. We also act for creditors of individuals in financial difficulties.

Claims involving the family home

The family home is an important asset within most bankruptcies. A trustee in bankruptcy has three years to realise his or her interest in the family home. This can involve reaching agreement with a third party, usually a family member, to purchase the trustee’s interest or possession proceedings. We assist in negotiations with the trustee, including the extent and value of his or her interest and whether any equity of exoneration principles apply which are capable of reducing the interest claimed by the trustee.

Why Choose Spratt Endicott for your Personal Insolvency Help?

Spratt Endicott Personal Insolvency Solicitors offer you all the benefits of a modern law firm. At the same time, we remain committed to our tradition of delighting clients with the highest levels of client service.

Petra Van Dijk is a member R3, the Association of Business Recovery Professionals and has extensive experience of dealing with all aspects of insolvency relates matters.

Our Insolvency team is ranked in The Legal 500 UK 2020 edition.

Our People

  • Petra van Dijk
  • Senior Associate
  • 01295 204159
  • Email

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Getting In Touch

To find out more about our personal insolvency services, help or advice please contact Petra van Dijk on 01295 204159 or email