Personal Debt Management 

Focus Consulting’s experience in dealing with debt management whether at a personal debt or corporate level provides clients with access to a team of professionals who can identify the most appropriate solution for their individual circumstances.  We employ a thorough evaluation process of your current financial position, leading to the preparation of a statement of affairs and development of a realistic solution for the client.  This will focus on the plan to settle existing liabilities due to banks and to other creditors and create the optimum plan for you in dealing with your current liabilities and legal obligations.  

We represent clients in negotiations with bank using our vast restructuring experience.  Other options to consider in situations where there are a number of creditors include

Informal scheme of arrangement 

Assists clients in restructuring or reducing the amount payable over an agreed period of time.

Formal scheme of arrangement 

A court approved repayment proposal to discharge your liabilities, approved when the repayment proposals are agreed by at least 60% of the creditors.