Debt Management, Restructuring & Insolvency

Whether you are owed money or are in debt, money stress can be all consuming, detrimental to your livelihood and just downright difficult to deal with.

Communication is key and understanding your rights and what steps you can take to manage the money stress is essential. Take the guess work out of your situation and hand off your stress to us so that we can help you move forward and take back control. Reach out now, or for more information, click the links below.


Are you in debt? Are you owed money?

Let us help you – Are you in Debt?

  • Manage your debts to prevent bankruptcy or insolvency
  • Cut though the technical insolvency and legal jargon to help you understand what’s really going on and what your options are
  • Find the right solution which matches the commercial realities of life and that of your business
  • Take a commercial and pragmatic approach to managing your solvency risk
  • Utilise our expertise to your advantage
  • Easily navigate the complex process of bankruptcy and insolvency
  • Take back control of the situation.

Are you in Debt?

Taking on debt can be a scary but necessary part of business and life.  Managed well good debt can accelerate your business and life goals and push you toward prosperity. 

When that debt turns bad and gets out of control however the consequences can be severe, stressful and insolvency options can be highly technical.

If you act early enough, debt management can be a very successful and we can help you restructure your debt position to reduce your stress, change your payment terms and in some cases reduce the amount owing through pre-insolvency processes.

Unfortunately, in the vast majority of cases people ignore their problems and think they can trade out of it or fix it themselves.  This ostrich “head in the sand” approach rarely works and creates additional problems that costs a lot of money to correct. 

Communication here is key. 

One of the largest mistakes we see is people ignoring requests for payment.  When you ignore someone who you owe money to, they have no idea what’s going on, what pressure you may be under and they make decisions about your financial livelihood in the dark.  This inevitably leads to them presuming the worse and taking steps against your interests.

When this happens, and it does happen… regularly, what may have been a reasonably simple resolution to help you manage and pay down your debt, explodes into a world of tight time frames, aggressive demands and little compromise.  It may also put you in a situation where you can never financially recover from.

There is light at the end of this seemingly bleak tunnel. Let us help you illuminate the world and cast that lumos spell.

We are ready to join your team to help you take back control of your finances and minimise your risk.

We won’t sugar coat it like a deliciously glazed pink frosted donut.  Sometimes bankruptcy or insolvency is inevitable, your debts can be at the stage where it may take decade or centuries to repay them.  It may seem like there is no solution and you can’t just walk around screaming “I DECLARE BANKRUPTCY”. 

Let us help you take a commercial and pragmatic approach to managing your debt levels to find the right solution for you which matches the commercial realities of life, your values and what you want to achieve for you or your business.

If we need to get you in front of an insolvency practitioner (and we work with a lot of excellent ones) to discuss your bankruptcy or insolvency options, we work with you and them every step of the way to help you take back control of your life and work through the debt situation.

What are you waiting for? Pull that head out the sand, turn on the lights and get in touch early to make the first is in a series of excellent decisions to get on top of your debt situation and start shedding that stress!

Let us help you – Are you owed money?

  • Recover the money owed to you
  • Assess the solvency situation of your debtors
  • Improve your cashflow through a wide variety of recovery options
  • Cut though the technical insolvency and legal jargon to help you understand what’s really going on and what your options are
  • Find the right solution which matches the commercial realities of life and that of your business
  • Take a commercial and pragmatic approach to managing your debtors and their solvency risk
  • Utilise our expertise to your advantage
  • Take back control of the situation

Are you owed Money?

Being owed money can be a very stressful time and can have considerable financial impacts on you, your cashflow and your business.  You’ve probably heard every excuse in the book too: 

  • The cheque’s in the mail
    • really? In the day of modern banking systems with instant transfers who actually uses cheques anymore? Well aside from banks and lawyers, unfortunately…
  • We never received an invoice
    • you likely emailed it to them several times and they’ve just been ignoring it and you!
  • I can’t pay you until my customer pay me
    • what if their customer never pays them? Will they pay you? You never agreed to this!

The excuses go on and on… and on.  And you’re still not getting paid.

Take back control of the situation by taking meaningful steps to recover the money owed to you, improve your cash flow and get that bad debtor off your books.

Now, unfortunately the world isn’t full of cashed up honest payers who will pay you on time without excuse.  Some people may ignore you or not pay you at all. Perhaps they can’t pay you. Perhaps they just don’t want to. 

So, whether you want to start a recovery process, look to arrange payment terms which will see you get paid quickly with minimal hassle or simply need to understand what your debtor is actually doing, you need someone who will act quickly to protect your interests.

We’re here to help, to join your team and provide a real time commercial and pragmatic approach to managing your debtors and their solvency risk to find meaningful solutions which match the commercial realities of life and your business.

When things go really bad, and your debtor has little to no money, or has appointed an insolvency practitioner to manage their affairs, we are ready and raring to go to cut though the technical insolvency and legal jargon to help you understand what’s really going on and what your options are.

Take back control of your debtors today and put them back on your schedule not theirs.  We are here, ready to assist… what are you waiting for?  Let’s get you paid!

Technical Services List

Corporate Insolvency


  • Issuing or contesting Creditors Statutory Demands
  • Debt management services
  • Public Examinations
  • Pre-insolvency advice and assistance
  • Liquidations and Provisional Liquidations
  • Receiverships
  • Restructuring and corporate insolvency advice
  • Voluntary Administrations
  • Proofs of debt
  • Corporate insolvency advice
  • Insolvent trading and preference claims
  • Director penalty notices
  • Breaches of director duties;
  • Australian Securities and Investments Commission & other regulatory Litigation
  • Australian Securities and Investments Commission Banning Orders
  • Regulatory Complaints & Disputes
  • Investigations by statutory authorities and commissions of enquiry
  • Personal property securities enforcement and disputes
  • Creditor priority notices
  • Civil penalty proceedings
  • Corporations Law matters
  • Debt management and recovery
  • Safe harbour plans
  • Distressed debtor services
  • Conveyancing Connection (QLD) Pty Ltd
    As a trusted advisor, it is important for us to know that, when we need to refer a client to another practitioner, they will be treated with respect and their matter will be handled to the same standards we employ and won’t fall through the cracks. Dugald Hamilton and the team at 23LEGAL always look after our clients to a standard that is above and beyond what is required and we have no hesitation in recommending their services.
    Conveyancing Connection (QLD) Pty Ltd
  • Jamie Brauer
    I have used the services of Dugald Hamilton and 23LEGAL several times now. Dugald has always delivered result that exceed my expectations in a timely fashion and at a competitive price. I feel safe and secure knowing I have him in my corner if needed.
    Jamie Brauer
  • Melissa Scott
    Dugald and the team at 23LEGAL have provided consistently high levels of legal advice and assistance on a range of matters for Megaport Ltd, an ASX-200 listed company in the technology sector. I appreciate the commercial aspects of Dugald's advice and the practical nature of his recommendations. As an example, he will often give insights on the chances of success and weighed up against the likely costs, may advise on the real costs vs benefits of pursuing certain options. This in invaluable for my internal decision making and justifying certain spends. 23LEGAL is certainly doing law differently.
    Melissa Scott
    Senior Legal Counsel, Megaport Ltd.

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