Share
At Equinox Restructuring & Insolvency, we help individuals navigate the complex and often emotional process of personal insolvency. Whether you are overwhelmed by unmanageable debt, facing legal action or seeking a structured path to financial recovery, our team provides clear, professional and compassionate support.
We offer a range of formal insolvency solutions, including bankruptcy, personal insolvency agreements and in-bankruptcy compositions. We will advise you on which avenue best suits your unique circumstances and goals.
Personal insolvency may be the right path if you are:
If you’ve exhausted informal options or repayment plans have failed, it may be time to consider a structured insolvency process.
We work with individuals, sole traders and professionals across all industries to find appropriate, ethical and effective solutions.
Our team will explain each option clearly, without judgment, and help you choose the best path for your future.
Choosing personal insolvency is a major decision. We guide you through each step and support you by:
With decades of experience in Perth’s insolvency sector, we understand the stress that comes with financial hardship. We’re here to provide you expert advice with clarity and respect.
My home and car?
This depends on the equity and whether you’re entering bankruptcy or another arrangement. We’ll help you understand your rights and options.
My credit rating?
Personal insolvency will impact your credit report, but it may also be the first step toward rebuilding your finances.
My employment?
Most jobs are unaffected, though certain licences and professional roles may have restrictions.
My business?
Sole traders can often continue operating under specific conditions. We’ll help assess your specific case.
We don’t just follow the process, we support people through life changing transitions.
If you’re struggling with unmanageable debt, don’t face it alone. We offer free, confidential consultations to help you:
Click here to book a cost and obligation free consultation with a registered trustee.
We help people address all manners of personal debt issues, whether they arise from a business, a failed investment or consumer debt, we objectively and respectfully assist you with understanding all of your options and how they could benefit you.
We have a vast amount of experience and respect within our industry, so you can take comfort in knowing that when you deal with us, we will have your best interests in mind.
Equinox (Formerly HLB Mann Judd Insolvency WA) can assist with any questions you might have. Whilst bankruptcy is an option, the nature of your debt may mean it is more appropriate to avoid bankruptcy.
For a obligation and cost free consultation, you can contact our office on 08 9215 7900 to arrange a meeting.
Upon bankruptcy, your Trustee becomes the owner of your share in any property that is in your name.
How your Trustee deals with your share in property depends on whether it is encumbered and/or owned with other people.
Click this link for further details regarding property in bankruptcy:
No, however you may be required to make contributions to your estate during the term of your bankruptcy, depending on your level of income and whether you have any dependents.
Click this link for further information:
The ATO is Moving Harder and Faster on…
ATO Garnishee Notices: The Warning Signs, the Mechanics,…
Payday Super Has Rewritten the Lockdown DPN Test…