Insolvency & Law

Insolvency & Law We take a unique approach to challenging and complex insolvency matters. We represent both debtors and creditors, businesses and individuals.

Business and personal insolvency solutions

Insolvency & Law (I&L) is an award-winning consultancy firm providing bespoke insolvency solutions for UK businesses and individuals. We empower creditors and debtors such as company directors and other individuals who feel detached and disenfranchised from insolvency and debt-related procedures due to a lack of specialist advice. Why we work for credito

rs and debtors

Over 10 years of experience serving debtors and creditors has afforded us invaluable knowledge of UK insolvency law, debt, and the relevant regulatory framework, which we utilise for the benefit of our clients. Whether you’re a company director trying to protect yourself from adverse proceedings, a supplier looking to get paid from overdue invoices, or an individual struggling to avoid financial ruin; our unique comprehension of debt and insolvency ensures that we’re always able to provide sympathy, impartial guidance, and cost-effective solutions. Debt and insolvency services tailored to your requirements

Whatever your predicament or circumstance, I&L can assist before and during insolvency and debt-related procedures such as Winding Up Petitions; Debt Purchase / Assignment; Compulsory Liquidation; Creditors’ Voluntary Liquidation (CVL); Company Voluntary Arrangements (CVAs); Administration; Bankruptcy; Individual Voluntary Arrangements (IVAs) and Creditors’ Meetings. We also help directors prepare for Liquidation, alternative procedures of company demise, and Compulsory Interviews with the Official Receiver. Moreover, we can supervise all of the other complex issues that will require attention to avoid potentially adverse claims against you. Insolvency is very serious and you will need expert advice, support and guidance. We help directors to wind up companies, and assist creditors seeking greater control in liquidations. Call 020 7504 1300 now for free and confidential advice…

Contact us now on 0207 504 1300 for Free advice, or visit: www.insolvencyandlaw.co.uk

Our professional services include-
Personal and Corporate Insolvency;

• Personal and Corporate Insolvency;
• Statutory Demands
• Individual Voluntary Arrangements (IVAs),
• Bankruptcy
• Winding up Petitions
• Liquidations
• Company Voluntary Arrangements (CVAs),
• Administrations
• Attending creditors meetings
• Taking action against directors of insolvent companies

📊 Late payment is more than an inconvenience.It’s one of the biggest threats to business cash flow.According to the UK G...
07/08/2026

📊 Late payment is more than an inconvenience.

It’s one of the biggest threats to business cash flow.

According to the UK Government, around 38% of businesses report that late payments have affected their cash flow.

Cash flow problems don’t automatically lead to insolvency, but they can create significant pressure if left unmanaged.

For many businesses, delayed payments can result in:

• Difficulty paying suppliers

• Pressure on payroll

• Reduced investment opportunities

• Increased borrowing costs

• Greater financial uncertainty

Understanding the risks early allows directors to make informed decisions before problems escalate.

If you’d like to understand the options available when financial pressure begins to build, our team is here to help.

📞 020 7504 1300

🌐 Visit our website to learn more.


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📊 Did you know?When people hear the word “insolvency”, they often think every business follows the same process.In reali...
03/08/2026

📊 Did you know?

When people hear the word “insolvency”, they often think every business follows the same process.

In reality, there are several formal insolvency procedures.

During 2025, the breakdown of company insolvencies in England and Wales was:

🟣 77% Creditors’ Voluntary Liquidations (CVLs)

🔶 16% Compulsory Liquidations

🔵 6% Administrations

🟢 1% Company Voluntary Arrangements (CVAs)

Every business is different, which is why understanding the available options is so important before making decisions.

Whether you’re a company director, creditor or investor, knowing the difference between these procedures can help you make more informed decisions if financial difficulties arise.

📞 020 7504 1300

🌐 Visit our website to learn more.


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📊 Did you know?Around 1 in every 193 registered companies in England and Wales entered formal insolvency over the latest...
31/07/2026

📊 Did you know?

Around 1 in every 193 registered companies in England and Wales entered formal insolvency over the latest 12 month period.

While that may sound like a small proportion, it represents thousands of businesses facing financial difficulties each year.

Many insolvencies don’t happen overnight. They often follow a period of mounting cash flow pressure, unpaid invoices, rising costs or creditor action.

Recognising the warning signs early can provide more options and more time to consider the most appropriate way forward.

Whether you’re a company director, creditor or investor, understanding the risks is the first step towards making informed decisions.

📞 020 7504 1300

🌐 Visit our website to learn more.


https://-

📊 Did you know?Around 77% of all company insolvencies in England and Wales are Creditors’ Voluntary Liquidations (CVLs)....
27/07/2026

📊 Did you know?

Around 77% of all company insolvencies in England and Wales are Creditors’ Voluntary Liquidations (CVLs).

A Creditors’ Voluntary Liquidation happens when the directors of an insolvent company decide to take action themselves, rather than waiting for creditors or the courts to force the business into liquidation.

For many directors, acting early can provide greater control over the process and help fulfil their legal duties once insolvency becomes a possibility.

Taking advice early doesn’t always mean the business has reached the end of the road. It means understanding your options before circumstances become more difficult.

If you’re concerned about your company’s financial position, understanding the available options sooner rather than later can make a significant difference.

📞 020 7504 1300

🌐 https://insolvencyandlaw.co.uk

📊 Company insolvencies remain stubbornly high across England and Wales.The latest figures from the Insolvency Service sh...
24/07/2026

📊 Company insolvencies remain stubbornly high across England and Wales.

The latest figures from the Insolvency Service show that 2,085 companies entered formal insolvency in April 2026.

That’s:

• 2% higher than March 2026
• 3% higher than April 2025

While every business faces challenges, these figures are a reminder that cash flow problems, creditor pressure and rising costs continue to affect companies across many sectors.

Recognising the warning signs early can often provide more options than waiting until problems become urgent.

If you’re a company director, creditor or investor and would like to better understand your options, we’re here to help.

📞 020 7504 1300

🌐 Visit our website to learn more.


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🚨 Bounce Back Loan investigations are still very much underway!Many directors assumed the scrutiny around Bounce Back Lo...
20/07/2026

🚨 Bounce Back Loan investigations are still very much underway!

Many directors assumed the scrutiny around Bounce Back Loans would disappear over time. The figures tell a different story.

📊 The facts:

• More than £47 billion was lent to UK businesses through the Bounce Back Loan Scheme during the pandemic. The Times

• During 2024 to 2025, the Insolvency Service disqualified 1,036 company directors, with 736 of those disqualifications relating to Covid loan abuse. The average ban was 8 years. GOV.UK

• The Government has confirmed that over 2,000 directors have now been banned for Covid Bounce Back Loan abuse since enforcement began, with investigations continuing. GOV.UK

If you've received correspondence from the Insolvency Service, a liquidator, or another authority regarding a Bounce Back Loan, don't ignore it.

The earlier you obtain specialist advice, the more options you may have.

📞 Speak to the team at Insolvency & Law today ON 020 7504 1300.

20/04/2026

When a company suddenly stops paying and begins to stall, it's a red flag that creditors cannot ignore.

Delays in payment are often the first visible sign of deeper financial trouble. But before taking any drastic legal steps, it's crucial to carefully assess the situation.

Here's what to check:

1️⃣ Review Payment Patterns – Are missed payments isolated incidents or part of a growing trend?
2️⃣ Understand the Reason – Has the company communicated reasons for delays, such as cash flow issues or restructuring plans?
3️⃣ Assess Financial Health – Look beyond payments, examining balance sheets, cash flow forecasts, and creditor rankings.
4️⃣ Communicate Early – Engage with the company to gauge their willingness and ability to resolve the debt.
5️⃣ Consider Legal Options – If stalling continues without credible explanation, explore statutory demands or winding-up petitions as necessary.

For example, one of our clients noticed a supplier repeatedly extending payment deadlines and providing vague excuses. Early intervention through professional assessment and communication helped them secure a funding update and avoid losses.

What this means for creditors: Don't wait until payments stop completely. Early recognition and strategic action can safeguard your position and improve recovery chances.

If you're facing stalled payments or suspect a company is on the brink of insolvency, we can guide you through every step.

𝗣𝗵𝗼𝗻𝗲: 0207 504 1300
𝗪𝗲𝗯𝘀𝗶𝘁𝗲: insolvencyandlaw.co.uk
𝗘𝗺𝗮𝗶𝗹: [email protected]

Have you encountered a company that stalled payments? What steps did you take? Share your experience or questions below.

19/04/2026

An overdue invoice isn't just a cash flow hiccup—it can quickly escalate into a legal recovery issue if ignored.

Recognising when to move from gentle reminders to formal recovery actions is crucial to protect your business. Acting early with the right legal steps can mean the difference between recovering your funds and writing them off.

Have you encountered challenges with overdue invoices turning into legal battles? Share your experience or ask how we can help.

𝗣𝗵𝗼𝗻𝗲: 0207 504 1300
𝗪𝗲𝗯𝘀𝗶𝘁𝗲: insolvencyandlaw.co.uk
𝗘𝗺𝗮𝗶𝗹: [email protected]

Think a late payment will just resolve itself?Ignoring it could cost your business more than you expect. Early action he...
18/04/2026

Think a late payment will just resolve itself?
Ignoring it could cost your business more than you expect. Early action helps protect your cash flow and avoid bigger problems down the line. Need advice on handling overdue debts? We're here to help.
𝗣𝗵𝗼𝗻𝗲: 0207 504 1300
𝗪𝗲𝗯𝘀𝗶𝘁𝗲: insolvencyandlaw.co.uk
𝗘𝗺𝗮𝗶𝗹: [email protected]

Directors, what should you do when insolvency warning signs appear in your company accounts?Ignoring these signs can lea...
18/04/2026

Directors, what should you do when insolvency warning signs appear in your company accounts?

Ignoring these signs can lead to personal financial risk and legal consequences. Early recognition and decisive action are crucial to protect both your company and yourself.

Common warning signs include:
• Overdrawn loan accounts
• Increasing overdue invoices
• Declining cash reserves
• Delayed payments from customers

When these appear, directors should immediately review the company's financial position and seek expert advice. Proactive steps might include negotiating with creditors, restructuring debts, or considering formal insolvency procedures before matters worsen.

For example, many directors who act early can negotiate reduced personal liability and gain more control over the company's future, avoiding aggressive legal action or liquidation on unfavourable terms.

Understanding your responsibilities and options early can save you stress and protect your personal assets.

If you're spotting these warning signs or feeling uncertain about your position, confidential advice is available.

𝗣𝗵𝗼𝗻𝗲: 0207 504 1300
𝗪𝗲𝗯𝘀𝗶𝘁𝗲: insolvencyandlaw.co.uk
𝗘𝗺𝗮𝗶𝗹: [email protected]

Have you encountered these warning signs before? How did you respond? Share your experience or questions below to help others navigate these challenges.

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