Policy & Research
Personal Insolvency


R3 is the trade association for the UK’s insolvency, restructuring, advisory, and turnaround professionals. We represent insolvency practitioners, lawyers, turnaround and restructuring experts, students, and others in the profession.

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Dealing with money worries - A guide to your options
Debt worries can be overwhelming and frightening and can leave those who are concerned about what they owe feeling helpless. At R3, we want to help people manage and overcome these feelings and help them make positive decisions about their future, so we have produced a free resource - “Dealing with money worries – a guide to your options” – for people in England and Wales.
R3 Dealing with money worries - a guide to your options (29 June 2021) - Size: 3657Kb Download
Volume IVA providers: Recommendations for Strengthening the Regulatory Framework (September 2018)

The sustainability of rising consumer debt is of increasing economic and political concern in the UK, with levels of certain types of consumer credit increasing by 10% from 2016 to 20171 . With the advent of new ways to access credit from unsecured lenders, such as payday loans, and a regulatory system which is under constant pressure to keep up with a rapidly evolving market, the personal insolvency landscape has had to adapt to assist those who end up being unable to pay their debts. 

R3 report on volume IVA providers September 2018 - Size: 1599Kb Download
Unregulated Adviser Guidance for Individuals

You have probably already been approached by a number of organisations offering you help with your business’s financial situation. This can be very confusing and it is often difficult to know where to turn for the advice you need. Sadly, not all of these organisations are reputable and many are unlicensed and unregulated, even though their marketing letters and websites may make them seem to be legitimate and trustworthy. Taking advice from them may, in fact, make your situation much worse. 

R3 Unregulated Adviser Guidance Business JUNE 2016 - Size: 5583Kb Download
Closing the Gap: Gender and the Changing Demographics of Insolvency

Between 2001 and 2010, insolvency numbers in England and Wales more than quadrupled. Even today, despite a fall in numbers from their peak, around three times more people enter an insolvency procedure than did so at the turn of the millennium. Personal insolvencies, however, are much more interesting than a simple rise and fall in numbers: the overall personal insolvency figures do not disclose ke

R3 Gender Insolvency June 2016 - Size: 5019Kb Download
Breathing Space from Creditor Enforcement

In any personal insolvency regime, it is paramount that people in financial difficulty are able to access the debt solution that will address their financial difficulties most appropriately. This should allow them to rehabilitate themselves financially as quickly as possible, and it should also ensure that their creditors receive the best repayment outcome possible in the circumstances, thereby achieving a balance between indebted individuals’ and creditors’ interests.

R3 Breathing Space from Creditor Enforcement JUNE 2015 - Size: 4636Kb Download
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Stuart McBrideStuart McBride
Senior Communications Manager
020 7566 4214
Amelia FranklinAmelia Franklin
Campaigns and Communications Executive
0207 566 4203
Lyle HorneLyle Horne
Public Affairs & Policy Officer
0207 566 4202

R3 members can provide advice on a range of business and personal finance issues. To find an R3 member who can help you, click below.