Personal Insolvency Services

At dVT Group, we understand the overwhelming and stressful nature of personal financial challenges. We recognise that personal insolvency may be one option among many. Our experienced team is committed to assisting you in exploring a range of solutions and alternatives tailored to your unique circumstances. We believe in presenting all available options, helping you make informed decisions that go beyond personal insolvency. Our goal is to empower you to regain control of your finances and provide a fresh start for you and your family.


When do you need assistance with Personal Insolvency matters?

At dVT Group, we understand that personal insolvency can be a difficult and emotional process. Our expert team can guide you through each step of the process to help you regain control of your finances and achieve a brighter financial future.
You need this service if you:

Your Debts are Becoming Unmanageable

If you're struggling to pay your debts as they fall due, including credit cards, personal loans, and bills, it's a clear sign that you need to take action to avoid falling deeper into debt. Our personal insolvency service can help you explore your options and find the best solution for your unique situation.

You're Facing
Legal Action

If you're facing legal action by creditors, such as a court judgment or bankruptcy petition, it's essential to seek expert advice to protect your rights and assets.

You're Experiencing Financial Hardship

Unexpected circumstances such as job loss, illness, or divorce can quickly lead to financial hardship, making it difficult to meet your financial obligations. Our personal insolvency service can help you navigate these challenging times by providing practical solutions tailored to your unique needs and circumstances.


dVT offers personalised debt solutions, including debt consolidation, debt agreement, or personal insolvency agreements, tailored to your unique financial situation, with the goal of helping you achieve a fresh start and get back on track financially.


An individual may declare themselves bankrupt or may be so declared as a result of a creditor petition. The process permits the Trustee to investigate the debtor’s financial affairs and provides relief from the pressure of creditors.

Part X Arrangements

Part X of the Bankruptcy Act provides similar powers and responsibilities to the Registered Trustee, as those available to the Voluntary Administrator of a corporate insolvency. Individuals in difficult financial circumstances who wish to reach an agreement with their creditors may seek a Part X alternative to bankruptcy. A Registered Trustee is able to work with the debtor to deal with claims, and to help resolve the problems that contributed to the solvency difficulties.

Informal Arrangements

When the quantity of creditors is small, it may be possible to negotiate with them without the need for a formal insolvency appointment. Costs can be contained by dealing informally with creditors and striking repayment arrangements.

Debt Agreements

If the debtor meets criteria concerning income, assets and debt quantum, a debt agreement may be an appropriate, reduced cost method of resolving a personal solvency problem. Similar to a Part X arrangement, a debt agreement, once ratified by creditors, releases the debtor from their debts.


What Makes Us Your Best Option?

Experience, Personalization, and Long-term Support: Our Commitment to Your Financial Success

Experienced Professionals

Our team of highly experienced professionals is dedicated to helping you find the best debt solution for your individual circumstances. With extensive knowledge and expertise in insolvency law, we can offer personalised advice and guidance to help you achieve financial stability.

Personalised Approach

We understand that every individual's financial situation is unique. That's why we offer a personalised approach that takes into account your specific needs and goals. Our team will work with you to analyse your financial situation and recommend the best debt solution for your circumstances.

Long-Term Financial Stability

At dVT, we focus on long-term financial stability. We provide ongoing support and guidance to help you achieve your financial goals, even after your debt is discharged. Our team will work with you to develop a personalised financial plan that meets your specific needs and helps you achieve a brighter financial future.

What Makes Us Your Best Option?


We commit ourselves to giving our clients the best chance of success.

Ways We Help

Comprehensive Financial Solutions for Your Business

Expert Services to Help You Overcome Any Financial Challenge.


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