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Personal Insolvency


Turpin Barker Armstrong specialise in providing insolvency advice and assistance to individuals who are in financial difficulty or may be unable to pay their debts.

Early advice is best

We recommend getting advice as soon as the first signs of financial difficulty appear which is why we offer a free initial meeting with no obligations to go ahead. We provide both formal and informal services such as individual voluntary arrangements. Please click on the links below to find out more details about each service we offer. 

Got any questions?

Do not hesitate to pick up the phone as we would be happy to go through your options with you.

If you would like to obtain advice from one of our Licensed Insolvency Practitioners please contact our office on 0208 661 7878, all calls are strictly confidential.

IR35 changes to impact on public sector workers

With effect from April 2017 there will be changes to IR35 which will impact upon many currently working in the public sector.

The announcement made by the Chancellor during his 2016 Budget speech was that “Public sector organisations will have a new duty to ensure that those working for them pay the correct tax rather than giving a tax advantage to those who choose to contract their work through personal service companies.”

The rules do not apply to the private sector but it appears that the changes are already impacting upon many in the public sector who previously operated using these personal service companies. It has been stated that the purpose of the changes is to deal with the deemed widespread non-compliance that has occurred. Many workers will find that they have not set aside sufficient funds to account for their tax liabilities and the usual result is that it will create an overdrawn director loan account with a balance repayable to the company. If you are in this position then it is important that you seek advice as soon as possible on the appropriate route forward. Turpin Barker Armstrong has experience in dealing with these circumstances and we would be happy to go through your specific situation at a time convenient to you. We also offer the first meeting free of charge with no obligation to sign up. We can be contacted via phone, online chat or via email contact us here or fill out our online contact form here and we will contact you asap.


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