Business debt help for Stourbridge and West Midlands directors
★★★★★Google Rating· Based on 6 reviews Rated 5.0 out of 5 based on 6 reviews on Google.
If your company is struggling with debt, we can help you stop creditor pressure, understand your options, and find the clearest path forward, whether that means closing the company cleanly, rescuing it, or something in between. We work with directors right across the Black Country.
These are the situations we deal with every day. Whatever you're facing, one call gives you clarity, protects your position, and stops the pressure.
Creditor & Bailiff Pressure
Once a formal procedure begins, creditor contact, enforcement action, and bailiff visits stop immediately. It gives you the space to breathe and think clearly. If you have a winding-up petition or enforcement officers at the door, acting now - before the situation is taken out of your hands - gives you the most options.
HMRC Debt
Unpaid VAT, Corporation Tax, PAYE or CIS. HMRC debts can be included in formal insolvency procedures, including CVL and CVA. You are not personally liable for company tax debt in most circumstances - we will confirm your position clearly.
Bounce Back Loan Repayment
A Bounce Back Loan is a company debt. In most cases it can be written off as part of a formal insolvency procedure - without personal liability to you as director. We will tell you exactly where you stand on this from the first call.
Cash Flow Breakdown
When a company can no longer pay its debts as they fall due, it is technically insolvent. That is not the end - it is the point at which the right advice makes the biggest difference. We will help you understand what your options are and how to protect yourself.
A Business Worth Saving
The underlying business is profitable but historic debt - post-Covid liabilities, legacy bank facilities, HMRC arrears - is making it impossible to operate. There are formal procedures designed specifically for this situation, and we will tell you honestly whether they fit.
Personal Guarantees
Where you have signed a personal guarantee for a company debt, your exposure depends on the specific circumstances. Many directors are surprised to find their position is better than they feared. We will give you a clear picture from the very first conversation.
Not sure where you stand? One call gives you clarity and protects your position.
Free, confidential, no obligation. Know your rights. Stop the pressure.
There are a number of solutions available to your business
The right route depends on your situation. We will give you an honest assessment of which procedure fits - and why - on the Clarity Consultation.
Close the Company
Creditors' Voluntary Liquidation
A CVL is the most controlled and straightforward way to close an insolvent company. You choose to act before the situation is taken out of your hands. Company debts - including HMRC arrears and Bounce Back Loans - are written off. Directors are free to move forward, including starting a new company in most cases.
If your company is insolvent but still has genuine value - a trading name, customer contracts, equipment - pre-pack administration allows you to sell those assets quickly and cleanly before the formal insolvency begins. The business continues with minimal disruption. Debts remain behind in the old company.
A CVA allows an insolvent company to repay creditors over a fixed period - typically three to five years - from future trading profits, while continuing to trade under your control. The debt is the problem, not the business. It is one of the few insolvency procedures designed to rescue a company, not close it.
An MVL is used when a company is solvent but the shareholders want to close it down - retirement, restructuring, or simply no longer needed. Assets are distributed to shareholders in a tax-efficient way, typically attracting Capital Gains Tax rather than Income Tax. The right route when there is no debt problem to solve.
A Black Country retailer had accumulated £125,000 in HMRC arrears and trade creditor debt following a difficult post-Covid trading period. The underlying business remained profitable and the director wanted to preserve 12 jobs. We prepared a CVA proposal that achieved creditor approval, including HMRC, and the business continued trading throughout.
Business preserved. Jobs protected. Debt written off on completion.
Corporation Tax £55kPAYE £30k
£110,000
Business Debt · CVA
A Stourbridge professional services firm was carrying historic HMRC debt and a legacy bank facility it could not service, while its client relationships and forward order book remained strong. A CVL would have destroyed the goodwill built over fifteen years. The CVA allowed the business to trade through its debt over four years.
Client relationships preserved. Full debt balance written off on completion.
Trade Creditors £35kVAT £60kWinding-up Petition
£95,000
Business Debt · CVA
A construction contractor facing a winding-up petition from HMRC for VAT arrears had contracts worth significantly more than its debt still in the pipeline. Speed was essential to prevent the petition freezing the company’s bank account. We moved quickly to propose a CVA that stayed the petition and allowed trading to continue.
Petition stayed. Contracts honoured. Business trading successfully.
The next steps
Simpler than you think
1
Book a Free Confidential Call
A free, confidential call with Lee. He will review your situation, 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 company's position, your personal exposure, and the realistic outcomes open to you. Fixed, transparent fees. No surprises.
3
Move forward with confidence
Once the process begins, creditor pressure stops immediately. It gives you the space to breathe. Our network of licensed insolvency practitioners handles the formal process. You focus on what comes next - which in most cases includes the freedom to trade 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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