Commercial debt assignment & estate asset realisation
We purchase business debts outright · long-term plans with directors
For insolvency practitioners
Release the tail. Close the case.
Deferred repayment terms keep otherwise complete estates open for five to ten years. We purchase those claims — such as overdrawn director loan accounts — so the estate realises the asset now and the case can be closed.
The problem we solve
A settled case, held open by a payment plan.
When a director is repaying an overdrawn loan account in instalments, the estate has an asset it cannot use — and an administration burden it cannot shed.
Years of administration
Monitoring a director's payment plan for a decade is a poor use of office-holder time — and your team's.
Estate value frozen
A deferred claim is worth little to creditors until it is collected in full, year after year.
Closure delayed
A long payment tail keeps an otherwise complete estate open — and keeps you on the hook for reporting.
Plans can fail
Long arrangements sometimes default, reopening a case you had already finished with.
How a purchase works
A clean, conventional assignment.
No collection mandate, no panel arrangement — a one-time purchase of claims you no longer want to manage.
01
Share the schedule
Send us the claims under consideration — typically overdrawn director loan accounts — with payment history and any existing arrangements.
02
Receive a valuation
We assess the deferred payment profile and make a reduced cash offer for the debt, reflecting its term and risk.
03
Assign and complete
On acceptance the debt is legally assigned to Litigation Resolutions Ltd and the proceeds are paid to the estate.
04
Close the case
Responsibility for the debtor passes to us entirely. We put the repayment plan in place — your involvement ends.
What the estate gains
- Immediate proceeds paid into the estate on assignment
- Cases closed months or years earlier than the payment tail would allow
- No ongoing monitoring, reporting or enforcement burden
- A professional, transparent counterparty that directors can work with
What we purchase
- Overdrawn director loan accounts
- Other insolvency claims where payment is being received on a deferred basis
- Business and commercial debts only — never consumer debts, never FCA-regulated debt
We are not a debt collection agency and we do not collect for third parties. Once we own a debt, the repayment plan is between us and the director.
Discuss a case with us
Send the schedule and payment history in confidence — we'll come back with a valuation and a clear view of what assignment would mean for the estate.
A company director with a question about an existing plan? See what to expect as a director