Personal & High-Net-Worth Insolvency
For principals, founders, and families, financial distress is deeply personal. We protect the wealth, privacy, and legacy that a balance sheet can never fully capture.
Counsel where personal and business obligations intertwine.
Personal guarantees, intertwined family assets, and the fear of public exposure make high-net-worth insolvency uniquely fraught. The internal stakes — shame, isolation, and reputation — are as real as the financial ones, and they are rarely acknowledged by counsel who treat the matter as a file rather than a life.
- Founders and principals with personal exposure to business debt
- Families whose wealth and obligations are closely held together
- Executives facing guarantees, clawbacks, or regulatory pressure
- Individuals for whom discretion is non-negotiable
- Business obligations have crossed into your personal balance sheet
- A guarantee, judgment, or margin call threatens family assets
- You need advice that accounts for reputation, not just recovery
- You want one senior advisor coordinating every moving part
- 01
Understand
We begin with a confidential conversation about what you have built and what you most need to protect.
- 02
Shield
We separate exposed obligations from protected wealth and structure a strategy around your family and legacy goals.
- 03
Resolve
We pursue the quietest viable path — workout, restructuring, or discharge — with senior counsel handling every sensitive touchpoint.
The work, from first day to final order.
Exposure mapping
A clear picture of which obligations are genuinely at risk and which assets can be protected.
Guarantee strategy
Negotiation and resolution of personal guarantees before they consume protected wealth.
Wealth preservation
Lawful structuring that insulates family and legacy holdings from distress.
Discreet coordination
A single senior partner coordinating advisors, lenders, and counterparties on your behalf.
What is at stake is not just a balance sheet — it is your name, your family, and your future.
Ashcroft & Vane
What resolution looks like.
- Personal wealth and family assets insulated where possible
- Guarantee exposure negotiated down or resolved
- Reputation and privacy preserved throughout
Common questions.
- Can you keep my situation out of the public eye?
- Wherever possible we pursue private, out-of-court resolutions. When a filing is necessary, we manage disclosure to limit exposure.
- My business and personal finances are tangled together. Can you help?
- Yes. We regularly advise clients whose personal and corporate obligations overlap, coordinating both sides of the matter.
- Will my family need to be involved?
- Only to the extent you wish. We handle sensitive matters discreetly and keep those you love insulated from the process where we can.
Discuss your matter in confidence.
Every inquiry is reviewed by a senior partner and protected by attorney–client privilege from the first word.