Services for Individuals

We provide advice to individuals in financial distress whether they are employed, sole traders, in partnership or are directors/owners of companies.

It is important to take advice as soon as possible if you are facing financial distress or a creditor is pursuing you.

We can assist in the following scenarios:

  • Lender's pursuing personal guarantees

  • Individuals already subject to formal insolvency procedures

  • Dealing with creditors, whether it be HMRC, lenders or trade creditors

  • Advising with regard to entering into an Individual Voluntary Arrangement (IVA) (see the Creditor portal for further information on IVA's)

  • Advising on the consequences of Bankruptcy (see the Creditor portal for further information on Bankruptcy)

  • Sourcing appropriate advisers

ELS is not FCA regulated. We therefore work with trusted independent financial advisers, to provide appropriate advice to individuals as they require.


© 2017 by ELS Advisory Limited. 


ELS, ELS Advisory and ELS Recovery are trading names of ELS Advisory Limited, a limited company registered in England and Wales under number 9993393.

The registered office is at 3 New Street, York, YO1 8RA

VAT registration number 233 8588 81. Kevin Brown and ELS Advisory Limited are registered under the Data Protection Act - registration numbers ZA230790 and ZA206576 .

Kevin Brown is a practising certificate member of ACCA.

Kevin Brown is licensed in the United Kingdom to act as an Insolvency Practitioner by the Insolvency Practitioners Association.