If you have financial difficulties you may consider the option of bankruptcy. You do not normally need the advice of a solicitor before doing so and there are organisations specialising in debt advice including Citizens Advice Bureaux (www.citizensadvice.org.uk) and National Debtline (www.nationaldebtline.org)
However, if you want detailed advice on the consequences of bankruptcy, you can make a fixed fee appointment with one of our solicitors. We will require payment in advance of the appointment.
If someone in your family or a business associate becomes bankrupt you may find yourself facing claims from their trustee in bankruptcy. These could include a claim for the sale of your jointly owned house or a claim for recovery of money paid to you before the bankruptcy. The trustee may claim that assets you believe are yours belong to the bankrupt.
These claims must be taken seriously as they can be substantial and trustees can have the motivation and the means to pursue them.
Our Dispute Resolution Team will be able to advise you as the merits of any claims and your options for resolving them.
For more information please contact one of the team.
|_zcsr_tmp||Zoho - This cookie is necessary for the login function on the website.|
|bcookie||2 years||This cookie is set by linkedIn. The purpose of the cookie is to enable LinkedIn functionalities on the page.|
|collect_chat_launcher_load||1 month||This cookie is set by the provider Collect.chat. This cookie is used for enabling the chat function on the website.|
|collect_chat_page_load||1 month||This cookie is set by the provider Collect.chat. This cookie is used for optimizing the chat-box functionality by recognising the user.|
|kerseys-_zldp||1 year||This cookie identifies the unique visitors for the website, www.kerseys.co.uk for Zoho Live Chat functionality.|
|kerseys-_zldt||1 day||This cookie identifies unique visits for a visitor in the website, www.kerseys.co.uk for Zoho Live Chat functionality.|
|lang||This cookie is used to store the language preferences of a user to serve up content in that stored language the next time user visit the website.|
|lidc||1 day||This cookie is set by LinkedIn and used for routing.|
|ypsession||1 day||For Yumpu PDF viewer.|
|yumpu_slc||7 days||PDF viewer|
|_ga||2 years||This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.|
|_gat_UA-46814924-1||1 minute||This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. It appears to be a variation of the _gat cookie which is used to limit the amount of data recorded by Google on high traffic volume websites.|
|_gid||1 day||This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visted in an anonymous form.|
|_hjAbsoluteSessionInProgress||30 minutes||This cookie is used to detect the first pageview session of a user. This is a True/False flag set by the cookie.|
|_hjFirstSeen||30 minutes||This is set by Hotjar to identify a new user’s first session. It stores a true/false value, indicating whether this was the first time Hotjar saw this user. It is used by Recording filters to identify new user sessions.|
|_hjIncludedInPageviewSample||30 minutes||This cookie is set to let Hotjar know whether that user is included in the data sampling defined by your site's pageview limit.|
|_hjTLDTest||session||When the Hotjar script executes we try to determine the most generic cookie path we should use, instead of the page hostname. This is done so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.|
|vuid||2 years||This domain of this cookie is owned by Vimeo. This cookie is used by vimeo to collect tracking information. It sets a unique ID to embed videos to the website.|
|_fbp||3 months||This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.|
|AVPUID||1 year||imagazine.advertserve.com Used to identify the visitor across visits and devices. This allows the website to present the visitor with relevant advertisement - The service is provided by third party advertisement hubs, which facilitate real-time bidding for advertisers.|
|b3e783bb62||This cookie is set by the provider Zoho. This cookie is used for collecting information on user interaction with the web-campaign content. This cookie helps the website owners to promote products and events on the CRM-campaign-platform.|
|bscookie||2 years||This cookie is a browser ID cookie set by Linked share Buttons and ad tags.|
|fr||3 months||The cookie is set by Facebook to show relevant advertisments to the users and measure and improve the advertisements. The cookie also tracks the behavior of the user across the web on sites that have Facebook pixel or Facebook social plugin.|
|MUID||1 year 24 days||Used by Microsoft as a unique identifier. The cookie is set by embedded Microsoft scripts. The purpose of this cookie is to synchronize the ID across many different Microsoft domains to enable user tracking.|
|NID||6 months||This cookie is used to a profile based on user's interest and display personalized ads to the users.|
|test_cookie||15 minutes||This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies.|
|UserMatchHistory||1 month||Linkedin - Used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.|
|_hjid||1 year||This cookie is set by Hotjar. This cookie is set when the customer first lands on a page with the Hotjar script. It is used to persist the random user ID, unique to that site on the browser. This ensures that behavior in subsequent visits to the same site will be attributed to the same user ID.|
|AnalyticsSyncHistory||1 month||No description|
|cookielawinfo-checkbox-functional||1 year||The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".|
|cookielawinfo-checkbox-others||1 year||No description|
|S||1 hour||No description|