Having personal guarantees called upon can be a very daunting and stressful experience especially if they are triggered by a traumatic experience like losing a business. Having the bandwidth to deal with creditors can be overwhelming. Despite originally seeking the counsel of lawyers, who proved to be both expensive and did not give us confidence, we turned to Personal Guarantee for help. Joss Dicks not only took away the burden of negotiating with creditors, gave good solid pragmatic recommendations and negotiated a very workable settlement, saving us thousands we didn’t have. In times of difficulty when you are vulnerable it’s easy to turn to the wrong people for help, rest assured, Personal Guarantee are reasonable, approachable and honest and should be your first point of contact.