Personal Solictiors
Personal Insolvency

Need advice on Personal Insolvency?

What we do
Help with Personal Insolvency

We understand that for anyone suffering financial hardship insolvency and bankruptcy are sensitive and worrying issues.

That’s why Jarmans Solicitors offers confidential advice and support, guiding you through the process and ensuring that the effects of insolvency on your family are kept to a minimum.

Insolvency happens when an individual is unable to repay debts due to their creditors. An individual can become insolvent by claiming bankruptcy, an Individual Voluntary Agreement (IVA), or a Debt Relief Order (DRO). In all cases it is important to have an expert on your side to negotiate with your creditors, but the successful implementation of an IVA or DRO can remove the worry of going bankrupt.

It’s always important to address any financial difficulties as quickly as possible as ignoring them can lead to your creditors forcing your insolvency by applying to the court for a bankruptcy order. Our insolvency team always advises negotiating with creditors before this happens.

Should you decide that insolvency through bankruptcy is the most workable path for you, Jarmans can advise you on how your bankruptcy could affect  your non-bankrupt spouse for example in situations when you have jointly owned assets. It’s important to obtain specialist advice in this area as a bankruptcy order can include cars, income, shares, your home, and non-essential items.

If you are concerned that you have debts that you are finding difficult to repay and want some advice on the best way to avoid insolvency or begin insolvency proceedings, contact our team to make a confidential appointment.

Need help

We offer legal advice for all your Personal Insolvency needs. If you would like to contact us or book a consultation with a member of our team please fill in the 'Make an Enquiry' form or call us on 01795 472291 or email

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How We've Helped People

Chris took the time to explain several items and offered some very good advice. I will definitely use them again.


Excellent service here. Needed a one off legal document and they were able to accommodate us the next day. We were given good advice. Highly recommend.

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Jarmans Solicitors Second Floor,
Bell House, Bell Road,
Sittingbourne, Kent,
ME10 4DH.

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