Personal debt help for Stourbridge and West Midlands residents
★★★★★Google Rating· Based on 6 reviews Rated 5.0 out of 5 based on 6 reviews on Google.
If personal debt has become unmanageable, we can help you stop enforcement action, understand your options, and find a clear route forward, protecting what matters most and giving you a genuine fresh start. We work with people across the Black Country whose total unsecured debt exceeds £10,000.
Whatever your situation, one call gives you clarity, protects your position, and stops the pressure. Most people tell us the first conversation is the moment the anxiety starts to lift.
Bailiff & Enforcement Action
Once a formal personal insolvency procedure begins, enforcement action, bailiff visits, and creditor contact stop immediately. It gives you the space to breathe and make a clear decision about what comes next.
Credit Cards & Personal Loans
High-interest unsecured debt that has grown beyond your ability to service - credit cards, store cards, personal loans, overdrafts. Where there is no realistic prospect of repayment, formal procedures can write this debt off entirely.
HMRC Personal Tax Debt
If you are self-employed or a sole trader and have fallen behind with personal tax, HMRC can move quickly. Personal insolvency procedures can include this debt and bring enforcement to an immediate halt.
Council Tax & Rent Arrears
Council tax and rent arrears carry their own enforcement powers. We can advise on whether these debts can be included in a formal procedure and what that means for your home and your security.
Personal Guarantees
If you signed a personal guarantee for a business loan or facility, you may be personally liable for that debt even if the company has closed. Many people are surprised to find their position is better than they feared. We will give you a clear picture from the first call.
Utility & Other Arrears
Escalating utility costs, council fines, and other unsecured arrears can be included in most personal insolvency procedures. If the total debt is unmanageable, the individual amounts matter less than finding the right formal route.
Not sure where you stand? One call gives you clarity and protects your position.
Free, confidential, no obligation. Know your rights. Stop the pressure.
The right route depends on your income, your assets, and the nature of your debt. We will give you an honest assessment of which procedure fits your situation - and why.
Repay a portion & write off the rest
Individual Voluntary Arrangement
An IVA is a legally binding agreement between you and your creditors. You make a single affordable monthly payment over five years, and any remaining unsecured debt is written off at the end. You keep your home, avoid bankruptcy, and deal with a single monthly payment throughout. Works best where you have a regular income and total unsecured debt over £10,000.
For many people, bankruptcy is not the catastrophe they fear - it is a legal process that writes off unmanageable debt and gives you a genuine fresh start. Enforcement action stops the moment the order is made. Discharged after twelve months in most cases. Your ability to work and earn is not affected in most occupations.
A sole trader was in serious financial difficulty with HMRC enforcement officers at the door and the bank threatening action on a £40,000 debt including personal tax and overdraft. We elected for personal bankruptcy, which immediately stopped all enforcement and wrote off 100% of the debt on discharge. The client continued trading during the bankruptcy […]
Enforcement stopped immediately. 100% of debt written off on discharge.
Credit Cards £18kHMRC £28kPersonal Loan £14k
£60,000
IVA · Personal Debt
A self-employed Stourbridge tradesman had accumulated £60,000 in unsecured debt including HMRC personal tax arrears and credit card balances. His income was regular but insufficient to service the debts individually. An IVA consolidated everything into a single affordable monthly payment, stopped all creditor contact immediately, and wrote off the remaining balance on completion.
All creditor contact stopped. Debt written off on completion. Continued trading throughout.
Overdraft £12kPersonal Guarantee £45k
£57,000
IVA · Personal Debt
A Black Country director who had given a personal guarantee for a company loan found himself personally liable when the company was wound up. Combined with personal overdraft debt, the total exceeded £57,000. With a family home and regular employment income, an IVA was the right route – protecting the property while dealing with the […]
Home protected. Personal guarantee written off on completion. No bankruptcy.
The next steps
Simpler than you think
1
Book a Free Confidential Call
A free, confidential call with Lee. He will review your debts, income and assets, explain your options clearly, and confirm which procedure fits. Know your rights. Understand your position. No jargon, no pressure.
2
Get clarity and protect your position
We give you a clear picture of where you stand - your personal exposure, your assets, and the realistic outcomes available to you. Fixed, transparent fees. No surprises.
3
Move forward with confidence
Once the process begins, enforcement action stops immediately. It gives you the space to breathe. Our network of licensed insolvency practitioners handles the formal process. You focus on rebuilding - most people are surprised how quickly life starts to feel normal again.
I would highly recommend Stourbridge Insolvency / Insolvency 4 U Ltd to any
company director facing financial difficulty, creditor pressure or the
possibility of liquidation.
Lee and the team provided clear, calm and professional support throughout a
very difficult period for CJB Food Group Ltd. They helped us understand the
Creditors’ Voluntary Liquidation process, gathered the information needed for
the Insolvency Practitioner, dealt with employee and RPS queries, vehicle
finance issues, landlord matters and creditor communication.
What stood out most was how organised and responsive they were. Everything
was explained in plain English, and they helped us manage a very stressful
company closure in a structured and professional way.
For any director in Stourbridge, the West Midlands or across the UK who needs
guidance with company liquidation, HMRC pressure, business insolvency or
company closure, I would strongly recommend speaking to Stourbridge Insolvency
/ Insolvency 4 U Ltd.
Owner's response
Thank you, Jason, for your kind and detailed review.
We’re pleased we were able to support you through such a difficult period and help make the company closure and Creditors’ Voluntary Liquidation process more structured and manageable.
Our focus is always to provide clear guidance, calm communication and practical support for directors facing financial difficulty, creditor pressure or HMRC issues.
Thank you again for trusting Stourbridge Insolvency / Insolvency 4 U Ltd.
Lee Dyson
Stourbridge Insolvency
Zacharia Zachariou
5/5 ★★★★★
3 months ago
I can't recommend Stourbridge Insolvency highly enough.
When my company found itself in an incredibly difficult situation, involving a complex dispute with a major national company alongside the liquidation process, Lee and the team went far beyond what I ever expected. They didn't just deal with the insolvency. They took the time to understand every detail of the case, review thousands of pages of evidence, and help me present the facts properly.
What stood out most was the communication. Every question was answered, every concern was taken seriously, and I always felt like someone was fighting my corner rather than simply processing paperwork.
This was one of the most stressful periods of my life, but having knowledgeable people guiding me through each stage made a huge difference. They were honest, responsive, professional and genuinely cared about achieving the best possible outcome.
If you're a company director facing financial difficulties, liquidation, or a complex business dispute, I wouldn't hesitate to recommend Stourbridge Insolvency. Their expertise, attention to detail and commitment to their clients are second to none.
Thank you again to Lee and the entire team for everything you've done.
Owner's response
Thank you, Zacharia, for such a thoughtful and generous review.
We know how difficult it can be when a company liquidation is running alongside a wider business dispute, especially where there is a large volume of information, evidence and background history to work through. We’re glad we were able to help you organise the position clearly, understand the process, and make sure the relevant facts were properly presented.
Your comments about communication and attention to detail mean a great deal. In situations like this, directors need more than paperwork. They need calm guidance, structure, and a team that takes the time to properly understand the circumstances.
Thank you again for placing your trust in Stourbridge Insolvency. We’re very pleased we were able to support you through such a challenging period.
Lee Dyson
Stourbridge Insolvency
Uwais Khilji
5/5 ★★★★★
6 months ago
Insolvency 4 U Ltd in Stourbridge (West Midlands) supported us with a CVL /
company liquidation. Clear language, straightforward process, handled
everything professionally from start to finish. Highly Recommended.
Owner's response
Thank you, Uwais, for your kind review and recommendation.
We’re pleased we were able to make the CVL and company liquidation process clear, straightforward and professionally managed from start to finish.
At Stourbridge Insolvency / Insolvency 4 U Ltd, we understand that company closure can be a difficult decision for any director. Our aim is always to explain the process in plain English, keep matters moving, and provide calm support at each stage.
We appreciate you taking the time to share your experience.
Lee Dyson
Stourbridge Insolvency
Bruce Knowles
5/5 ★★★★★
Edited 3 months ago
"Insolvency 4 U Ltd (Stourbridge, West Midlands) supported me with company closure
planning and CVL guidance .
Clear advice, fast responses, and
they helped set up the new company so I could move forward, then guided me
through the next steps for the old business and liaised with the Insolvency
Practitioner. Highly recommended.
Owner's response
Thank you, Bruce, for taking the time to leave this review.
We’re glad we were able to help you plan the company closure in a clear and practical way, while guiding you through the Creditors’ Voluntary Liquidation process and the information required by the Insolvency Practitioner.
When a director is trying to deal with an old company, creditor pressure and future trading plans, it’s important that the process is handled properly, with clear communication and the right structure from the outset.
We appreciate your trust in Insolvency 4 U Ltd / Stourbridge Insolvency and wish you every success moving forward.
Lee Dyson
Stourbridge Insolvency
Wendy Cotterill
5/5 ★★★★★
7 months ago
"We used Insolvency 4 U Ltd in Stourbridge (West Midlands) for support through a
Creditors’ Voluntary Liquidation (CVL) and company liquidation for MEK.
Lee and the team were clear, responsive, and professional throughout. They
explained each step in plain English, helped us pull together the information
quickly, and liaised with the appointed Licensed Insolvency Practitioner so the
process stayed compliant and moved forward without unnecessary delays.
If you’re a director needing CVL / company liquidation support in Stourbridge or
the West Midlands, I’d recommend Insolvency 4 U Ltd."
Owner's response
Thank you, Wendy, for leaving such a helpful review.
We’re very pleased that you felt supported throughout the Creditors’ Voluntary Liquidation process for MEK. A CVL can involve a lot of documentation, director queries and formal steps, so it’s important that everything is explained clearly and dealt with in a structured, compliant way.
We appreciate your comments about our responsiveness and the way we liaised with the appointed Licensed Insolvency Practitioner. Keeping the process moving while making sure directors understand what is happening at each stage is exactly what we aim to do.
Thank you again for recommending Insolvency 4 U Ltd / Stourbridge Insolvency.
Lee Dyson
Stourbridge Insolvency
Piri Fino
5/5 ★★★★★
7 months ago
We used Insolvency 4 U Ltd in Stourbridge (West Midlands) for CVL guidance and
company liquidation support for our failing restaurant business.
Lee and the team were clear, responsive, and professional throughout. They
helped us deal with the closure properly, supported us with the best outcome we
could achieve around the kitchen equipment/assets, and kept the liquidation
moving in a timely and organised way. They also supported us with the employee
side of the closure, taking time to guide staff through what was happening and
helping ensure people were treated fairly.
If you’re a director in the West Midlands looking for CVL or company liquidation
support, I’d recommend Insolvency 4 U Ltd.
Owner's response
Thank you, Piri, for your kind review and recommendation.
Restaurant closures can be particularly challenging because there are often several moving parts to manage at the same time, including staff, landlords, kitchen equipment, assets, suppliers, and the formal CVL process.
We’re pleased we were able to help you approach the closure in an organised and respectful way, while also supporting the employee side of matters and helping the liquidation progress without unnecessary delay.
Your comments about clear communication and professional support are very much appreciated. Our aim is always to help directors understand the process, protect the position as far as possible, and ensure matters are handled properly.
Thank you again for trusting Insolvency 4 U Ltd / Stourbridge Insolvency.
Lee Dyson
Stourbridge Insolvency
The first conversation is free, confidential and without obligation. You will leave with a clear picture of where you stand and what is available to you.
Most people tell us they wish they had picked up the phone sooner.
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