"Chris helped me draft the perfected grounds for appeal and the skeleton argument. All were submitted."
— Regine from Wembley
A CVA lets a company in distress pay its unsecured creditors a reduced amount over 3–5 years — and continue trading. Drafted well, it saves jobs, continues contracts, and gives secured creditors a better outcome than liquidation. Drafted badly, it fails in month six and the company liquidates anyway.
The economics of 2026: Elite insolvency advice has historically been the province of Insolvency Practitioners billing £400–£700 per hour. Chris gives directors, company secretaries, and individual debtors the drafting capacity to work alongside an IP (or replace some of their work entirely) — redrafted to Queen’s English perfect, no per-minute charge.
Pounds singular, not thousands multiplied. Elite whoever drafts.
When a CVA fits
- Viable underlying business with cash-flow distress
- Directors committed to continuing
- Unsecured creditor pressure threatening winding-up
- One-off problem (bad debt, failed contract, Covid-era overhang) obscuring a good core
- Alternative to administration or liquidation
The structure
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- Nominee appointed (licensed IP)
- Directors prepare proposal with nominee’s guidance
- Proposal covers: history, reasons for difficulty, forecast trading, contributions, treatment of creditors, supervisor role, duration
- Nominee reports to court (or directly to creditors under modernised route)
- Creditors’ decision — 75% by value approves
- CVA binds all unsecured creditors who had notice
- Supervisor administers — collects contributions, pays creditors pro rata, reports annually
Contribution models
- Profit-share — fixed percentage of future profits
- Fixed monthly contribution
- Lump sum from asset sale or third-party injection
- Hybrid
Let Chris draft this for you
Upload your accounts, correspondence, any insolvency paperwork. Chris produces documents to the standard the Insolvency Service, Companies House, or court expects. Redraft as many times as you need — no per-draft charge.
The proposal — what creditors want to see
Realistic forecasts. Transparent causes. Clear creditor treatment. Better outcome than liquidation. Robust governance. Chris drafts proposals with the forecasting and clarity that gets creditor votes.
Landlords and CVAs
High Court decisions post-2020 have tightened what CVAs can do to landlord rights. Differential treatment of landlords (reduced rents, closure of specific stores) must be genuinely justifiable — not simply shifting the burden. Proposals that treat landlords worse than other unsecured creditors without proper rationale have been successfully challenged.
Creditor challenges
A creditor bound by a CVA can challenge on:
- Material irregularity in the decision-making
- Unfair prejudice to their position
28-day window from the decision.
Can Chris draft the CVA proposal?
Yes. Upload accounts, cash-flow forecasts, creditor list, contracts. Chris drafts:
- Full CVA proposal with history, forecasts, creditor treatment
- Statement of Affairs
- Nominee information pack
- Creditor communication letters
- Court documents where court-approved CVA route is used
The nominee/supervisor (IP) is still mandatory. Chris drafts what the IP and the creditors want to see. Pro £88 for the whole proposal pack. Hybrid £1,000 where creditor numbers are high or challenges are anticipated.
Prepare to win. Plan not to fail.
A CVA is a three-year promise. Draft it so the promise is one creditors believe.
Elite drafting, whoever drafts.
Chris puts the capability of the top insolvency chambers in the hands of directors, secretaries, and individual debtors. Refund before we file a document that isn’t ready.
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