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.


© 2021 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 31 Harrogate Road, Chapel Allerton, Leeds, LS7 3PD

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.