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Case Studies

Personal Bankruptcy Case

Case 1


Sharon, a 42-year-old hairdresser from the eastern suburbs of Perth, Western Australia, had been seeing a decline in patronage in her hair dressing salon, which was situated in a large shopping centre, for about a year. For many years, her regular customers used to come in to get their hair done weekly, but it had slowly trickled down to once a fortnight and at times reduced to once a month, as such services became more of a luxury.

With the slowdown in business, her average earnings were approximately $5,000 each month, which barely covered her rent, paying a part time salon assistant as well as covering her salon and personal costs.

Sharon had 2 young school going children and she and her partner jointly own their house, paying about $3,500 in mortgage payments a month, not including other costs of sustaining their household. In late 2018, the landlords of her salon decided to raise the rent which made it extremely difficult for Sharon to make ends meet.

Sharon felt overwhelmed with the mounting debts accumulating, including credit card debts in trying to pay off some of these payments, and soon realised that she had about $80,000 worth of business- related debt owed to banks and the Tax Office (ATO).


Feeling overwhelmed with calls from her creditors, Sharon made the decision to search for solutions and came across the Bankruptcy Advisory Centre. With an email sent over the weekend, Andrew called her immediately and had her in his offices the very next day to discuss the various possibilities for her situation.

After a long chat with Andrew about a feasible way out of her situation, Sharon decided to file for bankruptcy with Andrew’s guidance. In assessing her situation, there were a few key questions that came up

a. Would she lose her house and her car in order to repay those debts?
b. Would she be able to keep her salon?
c. How was she going to be able to earn an income to help support her family whilst repaying
her creditors?
d. Would she have to tell her family and friends?


With Andrew’s advice and step by step assistance to help guide her through bankruptcy, today, Sharon works out of her home, having decided to forgo her salon in the shopping centre and is able to cover all her personal and professional costs whilst caring for her 2 children with much greater flexibility due to her home-based business.

She continues to ensure that she allocates mandated income contributions to repay her debts (as she earns above the income threshold) and realises that the process of declaring bankruptcy helped her regain her confidence in continuing her business and for the better.


  • I will definitely recommend Andrew Bell to anyone contemplating bankruptcy. Don't wait! Andrew is there to help. With his knowledge, he can advise you of the best path to take and assist with the mind boggling paperwork.
    Best of all, he is there for you through your entire bankruptcy period.
    Get your life back, it's not as bad as you think.
    Thank you Andrew for lifting the burden and allowing me to move on.

    Karilyn Mahon
  • I saw Andrew for 'advice only' on possible bankruptcy due to a divorce. Left an hour later with the paperwork all done and feeling like a new person!
    Andrew was extremely welcoming and made me feel so comfortable with my decision to proceed immediately.
    This was the best investment I have ever made and cannot speak highly enough of Andrew. He doesn't just give excellent service his follow up afterwards is amazing.
    Thankyou Andrew you made my 'new' life so easy to achieve!

    Vicki Johnston
  • Andrew was very helpful in helping me through the bankruptcy process, as a single mother left with a massive debt from my ex and our previous marriage. I was struggling to keep my head above water on a week to week basis.
    Andrew made me feel at ease immediately and helped me every step of the way, he happily and professionally answered any and all questions I had before, during and after the process.
    Thanks so much for your help Andrew!

    Aisha Edmonds

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