JOB TITLE: UK Debt & Insolvency Caseworker / Accountant – Creditor Negotiation and Bankruptcy Support

JOB TITLE: UK Debt & Insolvency Caseworker / Accountant – Creditor Negotiation and Bankruptcy Support

We are seeking an experienced professional to review a personal and/or business debt situation in the United Kingdom and help develop the most appropriate way forward.

The work may involve negotiating affordable arrangements with creditors, reviewing company and personal liabilities, preparing financial information, and assessing whether bankruptcy or another formal insolvency option may be necessary.

Northern Ireland experience is strongly preferred, as its insolvency procedures differ from those in England and Wales.

RESPONSIBILITIES

• Review personal and business debts, assets, income and expenditure
• Create a complete creditor and liability schedule
• Separate personal liabilities from limited-company liabilities
• Identify urgent debts, secured debts and priority creditors
• Review correspondence, statements and creditor demands
• Prepare realistic income-and-expenditure and affordability calculations
• Help draft professional letters and settlement proposals to creditors
• Assist with negotiating payment plans, reduced settlements or temporary holds
• Explain the likely consequences of bankruptcy and other UK debt solutions
• Identify which matters require a UK-authorised insolvency practitioner, solicitor or regulated debt adviser
• Prepare an organised case file for any formal insolvency consultation
• Maintain complete confidentiality and securely handle financial documents
• Provide a clear written action plan with deadlines and recommended next steps

REQUIRED EXPERIENCE

• Demonstrable experience with UK personal debt, business debt or insolvency cases
• Strong knowledge of UK creditor procedures and debt-recovery practices
• Experience preparing statements of affairs, creditor schedules and affordability assessments
• Excellent written English and professional communication skills
• Strong Excel or Google Sheets skills
• Meticulous, confidential and non-judgmental
• Able to distinguish between administrative support and advice that legally requires UK authorisation

HIGHLY DESIRABLE

• Experience with Northern Ireland bankruptcy and insolvency procedures
• UK accounting, bookkeeping, debt-advice or insolvency qualifications
• Previous employment with a UK accountancy practice, insolvency firm, debt-advice organisation or creditor-negotiation service
• Experience with director guarantees, tax debts, Bounce Back Loans, VAT liabilities and dissolved or insolvent companies
• Existing access to a qualified UK insolvency practitioner or solicitor for regulated matters

IMPORTANT

This role requires genuine UK experience. Please do not apply if your experience relates only to US, Philippine or other non-UK debt systems.

The successful applicant must not claim to provide regulated legal, financial or insolvency advice unless appropriately qualified and authorised in the United Kingdom. Where necessary, you will help prepare the information required for review by a UK-authorised professional.

TO APPLY

Please answer the following:

1. How many UK debt or insolvency cases have you handled?
2. Do you have specific experience with Northern Ireland?
3. What formal qualifications or professional memberships do you hold?
4. Have you worked with personal debts, limited-company debts, or both?
5. Have you dealt with HMRC debts, VAT, Bounce Back Loans or personal guarantees?
6. Describe one UK case in which you helped arrange creditor settlements or prepare for bankruptcy.
7. Which parts of this work can you personally undertake, and which would require a UK-authorised insolvency practitioner or solicitor?
8. What is your preferred hourly rate and availability?

Please begin your application with the words “UK DEBT EXPERIENCE” so we know you have read the full post.

This may begin as a short-term assessment and case-organisation project, with the possibility of continuing work depending on experience and results.