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If you treat insolvency as failure, you’ll delay it, panic, and make worse decisions, and that’s how personal liability creeps in. But if you understand how insolvency actually works - what you can do and what you can’t - it can either save the business or give you the best possible chance to start again.
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He thought insolvency meant losing everything — his house, his car, his family’s security. But once we explained the process, he closed the company properly through a voluntary liquidation, bought the business back, and started again debt-free and stress-free. His words to me were simple: “Chris, I wish I’d done it sooner.” Insolvency isn’t shame. It’s a legal strategy — a way to end what’s unfixable and restart properly.
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