Personal Insolvency Agreements (also known as a Part X)

A Personal Insolvency Agreement (PIA) is a legally binding arrangement between an individual and their creditors. This process provides an opportunity for a proposal to be put to creditors to come to an arrangement in order to settle debts without proceeding to Bankruptcy. A PIA usually offers creditors a better return than what they would otherwise receive in a Bankruptcy.

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At Bear Advisory, we can help you assess whether a PIA is suitable for your situation, explain the process clearly, and guide you through each step with professionalism and care.

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Contact us today to explore your options and take the first step toward financial recovery.