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Jirsch Sutherland
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Founded in 1984, Jirsch Sutherland has helped many Australian businesses, particularly small-to-medium businesses, turn-around, recalibrate and grow and have worked with scores of tradespeople, including subbies who’ve been the collateral damage when a head contractor gets into financial trouble.

We’re proudly independent and are the country’s leading voluntary insolvency firm. We offer a local presence and national reach, with a network of offices in metropolitan and regional hubs on the Eastern Seaboard and in WA, and a team of specialists committed to servicing metro as well as regional, rural and remote areas.

What makes us different is our empathy and our tailored solutions. We work closely with our clients and their trusted advisers, including accountants and lawyers, to identify and develop the best-outcome solution for businesses that find themselves in financial distress. We recognise that at the heart of every business issue are people’s lives and livelihoods. We pride ourselves on being open, honest and empathetic.

I understand first-hand the challenges faced by tradies. Not only have I assisted many in my role as a Registered Liquidator and Bankruptcy Trustee, but I’m also the wife of a small business owner who runs a joinery/kitchen business in regional NSW. I manage my husband’s books and have assisted with implementing various processes to help him run his business. Over the years I have witnessed the pressures faced by others in the industry – including tradies and suppliers – so I know it can be tough at times (particularly when you’re juggling business and family. I get it, my husband and I are parents of two young children).

It’s been a really rough few years for small businesses – particularly those in the building & construction sector – with COVID, cost-of-living crisis, inflation and high interest rates. Then there’s the ATO, which has ramped up its debt collection activities. You might have received or heard about Director Penalty Notices (DPNs), one of the statutory ‘weapons’ the ATO uses to recover unpaid tax. The ATO has issued thousands of DPNs in the past couple of years and is unlikely to let up any time soon. If you receive a DPN or are in danger of receiving one, you can’t muck around. You need advice urgently. That’s where I can help.

At Jirsch Sutherland we offer a range of specialist services including:
- Formal restructuring processes including Small Business Restructuring (SBR) plans, Voluntary Administration, and Deeds of Company Arrangements (DOCAs).
- Informal ‘work out’ solutions (allowing a company to renegotiate the terms of trade with their creditors).
- Personal insolvency solutions including bankruptcy and Personal Insolvency Agreements (an alternative to bankruptcy).
- Consulting services tailored to improve a business’s operations and profitability.
Should you be experiencing financial distress, I’m happy to chat – and there’s no obligation or cost for that initial chat. I just like helping people find the right path. Early advice is key - the sooner you act, the more options there might be.

E: [email protected]

W: www.jirschsutherland.com.au

Mackay Goodwin
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Mackay Goodwin is a trusted name in helping individuals and companies navigate the often complex and overwhelming world of debt. With years of experience and a deep understanding of financial restructuring, the firm specializes in providing tailored solutions to those facing both personal and business debt challenges. Their team of experts works tirelessly to offer clients a way forward, providing clarity and direction in times of financial uncertainty. Whether the issue is related to personal debt or company debt, Mackay Goodwin’s commitment to delivering effective strategies and resolutions is unparalleled.
One of the key areas of my expertise at Mackay Goodwin lies in the restructuring of companies with the Small Business Restructure which entitles companies with debts under $1 million to apply. As a specialist in this niche, I focus on providing businesses with a structured pathway to recovery and resolution. The goal is to help businesses reduce their financial burdens, allowing them to rebuild and move forward with a healthier financial outlook.
We are able to secure a cents-in-the-dollar arrangement for creditors, which significantly reduces the amount of debt owed by the company with an average reduction of approximately 75-80%. This means that businesses can often settle their debts for a fraction of what is owed, providing them with much-needed relief and the opportunity to continue operating without the weight of overwhelming financial obligations.
The process of restructuring a business involves detailed analysis and careful negotiations with creditors. By understanding the specific challenges a company faces, I am able to create tailored plans that align with the company’s financial situation and future potential. It is not just about reducing debt; it’s about giving businesses the breathing room they need to thrive once again.
Mackay Goodwin’s approach to debt management and restructuring is built on years of expertise, a commitment to clients, and a deep understanding of the legal and financial frameworks that govern these processes. Whether dealing with personal debt or complex company restructuring, Mackay Goodwin provides solutions that give clients the chance to start afresh, free from the burden of unsustainable debt. If your business is struggling, I am here to help guide you through the restructuring process, offering a practical and achievable path forward.

W: https://mackaygoodwin.com.au

E: [email protected]

M: 0421 389 216

Shaw Gidley
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MONEY TROUBLE FINANCIAL PROBLEMS

At Shaw Gidley, we understand the crucial role Tradie Wives play in the success of their partners' businesses. We also understand that navigating the financial aspects of business can sometimes be daunting or even distressing - we're here to offer our expertise and support.

With over 100 years of combined experience among 20 specialist staff across three offices, we focus on small-medium companies and individuals in financial distress.

We specialise in helping tackle debts including ATO debts, offering proactive solutions tailored to your needs:

- We understand that dealing with financial challenges can create anxiety, but the process doesn't have to be scary. Our professional, friendly approach and experience ensures that you do not feel overwhelmed and receive the best advice possible.
- We recently assisted a client who was overwhelmed by a tax debt upwards of $600,000, and unable to meet obligations under a repayment plan. We assisted them with a Small Business Restructure and now they have settled their debts including the tax debt for 20 cents in the dollar and have managed to keep their business. They are now back on their feet and feeling back in control of their finances.

Our friendly team is here to explain your options around Director Penalty Notices (DPN) and help protect your personal assets:

- If you receive a Director Penalty Notice (DPN), it's crucial to seek advice promptly. We are here to listen, explain your options and help protect your personal assets.
- We assist clients on a daily basis where they are facing a DPN. It is scary how many professional advisors do not fully understand how DPNs work and as a result are not able to properly advise on them. We can advise and offer formal insolvency solutions to avoid personal liability.

Whether you're seeking assistance in relation to your Company or your personal finances we have the solutions:

- From a personal perspective, bankruptcy can seem terribly daunting and an absolute last resort. To the contrary, bankruptcy is now a relatively discrete option that is designed to deal with personal debt and give you a fresh financial start. Additionally, there are formal options that avoid bankruptcy that we have years of experience in and can advise you on.
- We recently assisted a client facing the daunting prospect of a liability in excess of $800,000 to the ATO under an expired DPN. We assisted them with a personal insolvency agreement where they paid creditors 10 cents in the dollar and avoided bankruptcy. The whole process took less than 6 months to get them back on their feet.

Take the proactive step towards getting back on top of your financial situation by booking an obligation-free consultation with us.

E: [email protected]

W: https://shawgidley.com.au/

F: https://www.facebook.com/shawgidley/

L: https://au.linkedin.com/company/shaw-gidley-insolvency-&-reconstruction

Your Directors Advocate
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Strategic Solutions offers boutique solutions and a personalized service for business or individuals facing financial hardship or insolvency.
Cheryl Stainsby is an Independent Directors Advocate and Business Advisor, trusted and recommended by industry Professionals.
Strategic Solutions specializes in
• Assisting Directors with Small Business Restructures specifically aimed at compromising ATO Debt.
• Liquidation and Voluntary Administration advice and support for Directors
• Bankruptcy Advice and Alternatives for clients for with insurmountable personal debt.
• Asset protection

In Addition: we have trusted referral partners with the following specialties who help us achieve our great results
• Refinancing to consolidate, payday loans, tax debt, business loans.
• Organizing finance for customers with defaults on their credit rating.
• Debt negotiation
• Cleaning Up Credit files
We have a panel of Experienced Accountants, Lawyers and Insolvency Practitioners that we work with across Australia, or, if you prefer, we work with your own Trusted Accountants and Advisors.
If you’re looking for someone who is truly independent, who knows your rights and responsibilities and who’s always fighting your corner, we are the advisors for you.
We are strategists who know and operate according to the ‘big picture’, taking account of the entire situation and facilitating from start to finish.
You may feel you have no one else to help you work through what seems an impossible situation. It’s an emotional time when you’re in meltdown, and it’s hard to make the decisions.
If you’re worried and want fast action you can contact Cheryl now. Your initial consultation is free and without obligation. Ring 1300 851 775

E: [email protected]

W: www.ssqld.net.au

I: https://instagram.com/strategicsolutionsqld?igshid=MzRlODBiNWFlZA==

F: https://www.facebook.com/StrategicSolutionsQld?mibextid=LQQJ4d

L: https://www.linkedin.com/in/cherylstainsby

Business Reset
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At Business Reset, we help small businesses under financial pressure, particularly those in building and construction businesses that are struggling with ATO debt or cash flow issues.

Many tradies and builders are still doing it tough after COVID. Costs are rising, payments are getting slower, and the ATO is getting aggressive to collect debts. When that happens, it can be hard to see a way forward — but there are options available.

If a business is still viable, we help directors reduce their ATO debt through a Small Business Restructure (SBR). This process can reduce tax debt by up to 70%, while allowing the company to keep trading and stay under the director’s control. Our director, Jarvis Archer, handles more small business restructures than any other liquidator with a success rate of over 96%.

If an SBR is not suitable, we look at alternatives available for the business to continue, or if it can't continue, we help directors close the company with confidence through liquidation. Our approach is no surprises, fixed fees and relatively fast timeframes with a focus on clients feeling informed, clear and respected through the process.

We’ve worked with hundreds of businesses in the construction sector and understand the unique challenges tradies and builders face. That experience means we know about insolvency and licensing laws and what works.

The good news is that an SBR does not automatically cancel a building licence. But it’s important to manage things properly. QBCC licences are mostly fine, NSW and VIC can be tricky — so it’s best to get the right advice from a team that understands the construction industry.

We also work closely with accountants, bookkeepers, and business advisors to make the process as smooth as possible.
If your business is under pressure or struggling with ATO debt, getting early advice can make a big difference. You don’t need to go through it alone. All discussions are free and confidential, there's only a cost if you decide to implement our solution.

To learn more, visit www.businessreset.com.au, email [email protected] or send us a message. We’re here to help.

 

W: www.businessreset.com.au 

E: [email protected]

I: https://www.instagram.com/businessresetteam/

de Jonge Read
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At de Jonge Read,

  • We work for you, not the creditors
  • We simplify the jargon and help you make the best decision
  • We provide a no-cost consultation with written strategy proposal
  • We are rated 5-stars by clients including many tradies

de Jonge Read was founded in 2006, to give business owners quality advice, fair representation and practical support when facing financial difficulties. Our founder’s own experience with financial distress led to the creation of a firm that puts business owners first over creditors, offering independent advice to help the owner decide how to move forward with confidence. We know that when debts pile up, it can feel like you’re stuck between impossible choices, receiving conflicting and confusing advice, and creating uncertainty with what to do next.

For over 19 years, we’ve helped thousands of business owners, including many trade businesses — builders, electricians, plumbers, contractors and subcontractors — deal with rising costs, cash flow issues, and ATO debt. We understand the everyday struggles of running a trade business — late payments, unpredictable workloads, increasing overheads — and we provide clear, practical solutions to get things back on track.

We help business owners like you decide the best strategy to proceed with and what process and tool will help you achieve the best outcome. We specialise in business restructuring, debt management, and financial recovery, tailoring our recommendations and approach to your specific situation. If you’re feeling stuck and unsure how to move forward, we can help you understand your options — whether it’s Small Business Restructuring (SBR), voluntary administration, or liquidation — so you can make an informed decision that will help you achieve the best outcome possible. While insolvency practitioners are required to act in the best interests of creditors (the people you owe money to i.e. Banks), our focus is on protecting business owners like you and finding the best possible outcome for you.

We keep things simple, transparent, and upfront, offering obligation-free, written plans with fixed-fee pricing when you want to engage us—so you know exactly where you stand. Speaking to us early will help you avoid unnecessary insolvency, protect your assets, and explore alternative solutions to keep your business running.

At de Jonge Read, we understand that financial stress affects more than just your business — it impacts your self-confidence, your relationships, your family, your employees, and your future. It can feel like it’s you against the world, but you don’t have to go through it alone. We’re here to hold your hand throughout the whole process by helping you take control, find a way forward, and get back on your feet.

Facing financial pressure? Don’t let it overwhelm you, speak to us today for a confidential chat about your options.

Early action is always key. Contact us today for a no-cost, obligation-free consultation to discuss your situation.

Email: [email protected]
Mobile: 0499 224 415
Website: www.djra.com.au

Linkedin: https://www.linkedin.com/company/de-jonge-read
Facebook: https://www.facebook.com/deJongeRead
Instagram: https://www.instagram.com/dejongeread_

Reviews: https://www.productreview.com.au/listings/de-jonge-read