Wales · North, Mid and South Wales
Business debt negotiation for Wales directors
Just Settlements negotiates full-and-final settlements on commercial liabilities owed by limited companies and LLPs based in and around Wales. Every enquiry is handled in strict confidence by an experienced negotiator, not a call-centre agent.
Local businesses we work with
Wales and North, Mid and South Wales host a broad mix of businesses that regularly encounter creditor pressure. We are approached by directors from areas including Cardiff, Swansea, Newport, Wrexham, Aberystwyth and Bangor, across sectors such as:
- Manufacturing and engineering across the South Wales corridor
- Agriculture, food production and rural businesses in Mid and West Wales
- Construction and civil engineering sub-contractors
- Hospitality, tourism and independent operators across coastal and rural Wales
- Professional services, creative and tech businesses in Cardiff and Swansea
Creditors we regularly engage with
Our work covers business banks and lenders, invoice finance and factoring providers, asset finance houses, commercial landlords, trade suppliers, Bounce Back and CBILS lenders, and creditors that have already issued statutory demands, county court judgments or winding-up petitions. We may also engage with HMRC on commercial terms, although no reduction or payment arrangement can be assumed.
How the process works for a Wales company
After an initial confidential conversation, we review the liability, the company's position and any personal guarantees. Where a case is suitable, we prepare a proposal to the creditor and negotiate on your behalf. Fees are results-based — we only earn when we deliver a settlement.
Why acting early matters
The earlier a director engages, the more options tend to be available. Once creditors have advertised a winding-up petition or obtained judgment, timelines shorten sharply and the practical route to a negotiated outcome narrows. Our guide to winding-up petitions and piece on the cost of waiting explain why.
Who we can assist
- Limited companies and LLPs registered in England and Wales.
- Directors dealing with commercial creditors, not consumer credit liabilities.
- Businesses that can fund a credible settlement proposal (from cash, refinance or asset realisation).
We do not advise on personal loans, credit cards, personal vehicle finance or other consumer-credit liabilities. Just Settlements is not FCA-authorised and does not provide regulated debt advice — see our regulatory information.