Why asking early changes everything
Time is the one thing that really counts. Ask for help early and you keep far more options open — and far more say in how it goes.
When money trouble turns serious, Consult Hamill works calmly alongside you — and alongside your accountant and the insolvency practitioner — to find a sensible way through. Private, experienced, and focused on protecting what matters to you. Led by Simon Hamill; we are not an insolvency practitioner or a solicitor.
Almost everyone who's been through serious money trouble says the same thing afterwards: I wish I'd asked sooner. Early on, a problem has doors out of it — time to negotiate, room to restructure, assets still worth protecting. Left too late, those doors close one by one until only the hard, costly ones remain.
We help you see the whole picture clearly and act while you still have real choices — not when the only options left are the ones nobody wants.
See how we helpWe take the pressure off, buy you time and get a clear plan in place — dealing with the insolvency practitioner, HMRC and creditors alongside you, so it stays a resolution rather than a battle.
Insolvency isn't one moment — it's a road with a lot of forks. There's work to be done long before it, and far more than people realise after it. We're with you for both.
While there's still room to move, we work to keep your business trading and your options open.
If insolvency or bankruptcy has already happened, there are often still sensible steps to take.
Whatever's landed on you — a bill you can't meet, someone chasing you, a decision you're unsure about, or a process that's already begun — this is where we step in.
Take the pressure off, buy time, and protect the family home while a clear plan is put in place.
Honest advice on where you stand and every realistic option weighed — calmly explained, with no jargon.
We help you cooperate constructively with the insolvency practitioner or Official Receiver, so the process runs smoother and reflects well on you.
Understanding what you've signed, and checking a demand carefully before you pay it.
Working through the figure, the costs and the valuation to reach something fair — in discussion rather than dispute.
Annulment where the grounds exist, and a clear, realistic route to rebuild.
Years of real experience on insolvency and bankruptcy matters means we understand how the process runs and what a sensible outcome looks like — and we put that to work quietly on your behalf.
Many people reach us after months of worry and mounting costs. We bring calm and order: one point of contact, a clear plan, and your interests kept front and centre — working alongside the accountant and advisers you already trust, not around them. The first conversation is free, private and with no obligation, and it's often the most valuable call you'll make.
Straight-talking thoughts from our work — for the owner carrying more than anyone sees.
It's natural to see the IP as the enemy. In reality, a calm, cooperative approach — properly advised — usually protects you better than a fight. Why, and how we help.
Time is the one thing that really counts. Ask for help early and you keep far more options open — and far more say in how it goes.
Even in insolvency, valuations and demands should be correct. We help make sure they are — calmly, and through the proper channels.
One quiet, private conversation — no obligation — is often all it takes to see a way forward. Request a callback and Simon will phone you, in confidence.
Request a callback