Why asking early changes the outcome
Time is the one thing that really counts when things get tight. Ask for help early and you keep far more options open — and far more say in how it goes.
Consult Hamill is a discreet advisory firm for Northern Ireland's business owners — from tradespeople and high‑street shops to online sellers and small firms — when money gets tight and the pressure mounts. Whether it's unpaid invoices, business rates, an HMRC bill, creditors at the door or a decision about the future, we help you find breathing room, a clear plan and calm, practical support. Our job is to protect what you've built, keep it trading, and — when the time is right — realise its full value.
Consult Hamill is a Northern Ireland advisory firm for the people who keep the place running — tradespeople, shop owners, online sellers and small firms. When the money side gets stressful, we help you make sense of it and find a way forward.
We've seen most situations before, so what feels overwhelming to you is usually something we can break down into clear, manageable steps — calmly, and without the jargon.
More about our approachWe work quietly alongside you to take the pressure off, buy you time and get a clear plan in place — so you're not facing it on your own. Everything stays completely private.
Whatever's landed on you this week — a bill you can't meet, someone chasing you, or a decision you're not sure about — here's where we can help.
When you're behind on payments or juggling debts, we help you steady things, buy some time and get a realistic plan in place.
Suppliers, the bank, your landlord or a customer dispute — we talk to them for you and work out terms you can actually live with.
Business rates, a tax bill you can't cover, or money owed to you that hasn't come in — we help you sort it and protect what you've got.
When money's tight, it's the letters and the phone calls that wear you down. We step in and handle these for you — calmly, and in complete confidence.
Business rates — reliefs, arrears, and challenging a bill that looks wrong.
Tax & VAT you can't cover — Time to Pay, investigations, back on track.
Loans, overdrafts and refinancing — on terms you can actually manage.
Bankruptcy and formal insolvency — and the options that come before it.
The people chasing you — we handle the letters and the difficult calls.
We act for you and deal with these bodies on your behalf — we're not affiliated with or endorsed by any of them.
We've sat on the other side of the table plenty of times. Knowing how the bank, HMRC or whoever's chasing you actually thinks is often the difference between a good result and an expensive one.
Straight‑talking thoughts from our work — written for the ordinary business owner with a lot on their plate.
Time is the one thing that really counts when things get tight. Ask for help early and you keep far more options open — and far more say in how it goes.
The bank, HMRC and anyone chasing you all have their own pressures. Understanding what they actually want is what turns a stand‑off into a deal.
A good sale is mostly won before a buyer ever appears. A bit of preparation, a realistic price and real discretion protect what you've built.
One quiet, private chat — no obligation — is often all it takes to start feeling back in control. We're here to listen.
Arrange a confidential conversation