Personal Insolvency & Bankruptcy
Clear options and a path forward when debt becomes unmanageable
We understand what you are going through
Dealing with unmanageable personal debt is exhausting and isolating. You may be fielding calls from creditors, losing sleep over what happens next, or wondering whether you will lose your home. Many people in your situation are given incomplete or self-interested advice by debt management agencies chasing commissions. You deserve honest, independent guidance from a qualified lawyer who puts your interests first.
How we help
We guide individuals through every option available under Australian law — from informal arrangements and debt agreements through to personal insolvency agreements (PIAs) and bankruptcy. We explain each path honestly, including the real consequences, and help you make the choice that is right for your circumstances. Unlike debt management agencies, we charge no commission and have no financial incentive to push you toward any particular outcome.
What we do
Specialist expertise across every aspect of personal insolvency & bankruptcy.
Bankruptcy Advice
Assess your options clearly — bankruptcy isn't always the only or best solution.
Debt Agreements (Part IX)
Negotiate a legally binding repayment plan as a genuine alternative to bankruptcy.
Personal Insolvency Agreements
Flexible arrangements with creditors that protect assets and preserve dignity.
Creditor Negotiations
Engage creditors directly to reduce, restructure, or resolve personal debts.
Fresh Start Planning
Chart a clear path through and beyond insolvency to rebuild financial stability.
Speak directly to a specialist
Is this service right for you?
- Individuals overwhelmed by debt
- People considering bankruptcy
- Those seeking alternatives to bankruptcy
- Individuals with personal guarantees on business debts
What sets us apart
- No commission — unlike debt agencies, we have no financial incentive to push a particular outcome
- Custom solutions tailored to your specific financial situation and goals
- Transparent, fixed fees agreed upfront — no surprises
- Qualified lawyers providing proper legal advice, not unlicensed debt consultants
- Compassionate, judgement-free service at every stage
How we work with you
Financial Review
We review your complete financial position — assets, liabilities, income, and expenses — to understand the full picture.
Options Assessment
We explain every option available to you, including debt agreements, personal insolvency agreements, bankruptcy, and informal arrangements, with the real consequences of each.
Implementation
Once you decide on a path, we handle the legal process — preparing documentation, negotiating with creditors, and managing the formal requirements.
Fresh Start
We help you understand your obligations going forward and plan for financial recovery after the process is complete.
“They understand our needs and the needs of our clients. They are professional, their pricing is competitive, and most importantly their results speak for themselves. We have no hesitation in recommending the Hilton Bradley team to you.”
Frequently asked questions
Ready to discuss your situation?
Contact us for a confidential, no-obligation conversation about how we can help.