Debt & Financial Solutions

Missed repayments, overdue invoices and creditor demands can quickly become difficult to manage. You may be dealing with a personal financial setback or trying to keep a business moving while commitments fall behind.

Find your starting point

Right Guidance connects you with debt advisers, accountants, solicitors and insolvency professionals relevant to your circumstances. We help you find the professional support needed to understand your position and consider your next steps.

A worried couple going through bills and cash at the kitchen table
01 Keeping Up with Personal Repayments

Personal Debt Management

When repayments become difficult, looking at each debt separately may not give you the full picture. An appropriate debt adviser can review your income, essential spending and commitments together.

The adviser will assess your position and explain relevant options, costs and consequences before you make a decision.

We facilitate introductions for concerns involving:

  • Credit cards, personal loans and other unsecured debts.
  • Several creditors requesting payment.
  • Reduced income or a change in household circumstances.
  • Repayment arrangements that have become unaffordable.
  • Uncertainty about the debt support available.
A business owner under pressure reviewing figures with a calculator
02 Managing Pressure on Your Business

Business Debt Management

A business can be trading while struggling to meet payments as they fall due. Supplier balances, borrowing commitments and tax arrears may require different kinds of professional support.

Depending on the circumstances, we can explore an introduction to an accountant, appropriately authorised debt adviser, solicitor or insolvency practitioner.

Enquiries may involve:

  • Overdue supplier invoices.
  • Business loan and finance repayments.
  • Tax arrears and outstanding liabilities.
  • Creditor demands affecting trading.
  • Cash-flow difficulties across several commitments.
A 'Sorry, we're closed' sign hanging on a shop door
03 Understanding Formal Options

Bankruptcy & Insolvency

If debts appear unmanageable, a specialist assessment can help establish your position and explain the options available.

An introduction does not mean bankruptcy or liquidation is the next step. The appointed professional will explain which routes may be relevant, their implications and any alternatives.

We connect individuals and business owners with appropriate professionals for:

  • Personal bankruptcy enquiries.
  • Company insolvency concerns.
  • Liquidation enquiries.
  • Directors seeking advice about financial difficulties.
  • Assessment of alternatives to formal insolvency.
Advisers reviewing financial charts and reports together
05 Reviewing the Wider Financial Position

Financial Restructuring

Where financial pressure extends across a business, individual payment arrangements may address only part of the problem. A wider review can examine how liabilities, funding and operating costs fit the current trading position.

The appointed professional will assess what is feasible. Further borrowing is not always an appropriate solution.

Professional support may cover:

  • Cash-flow and financial commitment reviews.
  • Existing borrowing arrangements.
  • Creditor arrangements, where appropriate.
  • Business turnaround and recovery enquiries.
  • Coordination of accounting, legal and insolvency expertise.
Different situations

Different situations call for different expertise.

  • “I accept the balance, but I cannot afford the repayments.”

    A debt adviser or insolvency professional may be the relevant starting point.

  • “I do not agree that I owe this amount.”

    A solicitor may need to review the demand and the basis of the dispute.

  • “My business has several overdue commitments.”

    An accountant, restructuring specialist or insolvency practitioner may need to assess the wider position.

You do not need to choose the professional before contacting us. A brief conversation can help establish the nature of your enquiry.

Your first enquiry

There is no need to prepare a detailed financial history for your first enquiry. Tell us whether the concern is personal or business-related and what is causing the most immediate pressure.

We will explore a relevant professional introduction. The appointed provider will explain what information they need, the support they can offer and any charges before you decide whether to proceed.

A smiling adviser wearing a headset at her desk
Free and introductory

Get a clearer starting point with a free introductory conversation with our team. Talk through your concerns, clarify the support you need and understand how we can connect you with a relevant professional.

Take the first step towards understanding your position and what comes next.

Book Your Free Consultation
Personalised Intermediation

Tell us what you are looking for and we can help connect you with the appropriate service, professional or opportunity.