Visit our dedicated small business restructuring site for small business owners facing financial distress.
For Individuals & Sole Traders
There are a number of reasons why someone can be overcome with financial debt.
It's not uncommon to fall into financial debt and it’s often not your fault or wrong doing.
Rising living costs, interest rates, job stresses and the like can leave you struggling to pay bills and leave you with rising debts and creditors knocking on your door.
The first step is to get the right advice so you can turn things around fast.
We believe that the course to overcoming adversity is navigated with knowledge, support, and actionable strategies tailored to your unique circumstances.

How we can help individuals.

As a company director, your responsibilities are significant and diverse, encompassing the management of your company's operations, finances, and compliance with legal obligations. One critical aspect that can have profound implications is the Director Penalty Notice (DPN) issued by the Australian Taxation Office (ATO).
Understanding and effectively managing DPNs is crucial to safeguarding your personal financial future.

Personal Insolvency Agreements (PIA)
As a bankruptcy trustee we play a crucial role in managing a Personal Insolvency Agreement (PIA) within Australian law. We are responsible for overseeing the entire process, from the initial assessment of the debtor’s (your) financial situation to the final implementation of the agreement.

Bankruptcy Services
Engaging a trustee in a bankruptcy scenario ensures that the process is handled efficiently, legally, and with a professional approach.
With TTJ advisory by your side, we can provide you with a structured pathway through the complexities of bankruptcy, ensuring that all legal, financial, and administrative aspects are appropriately managed.

Deceased Estates
At TTJ Advisory, we understand the complexities that come with managing a deceased estate, particularly under the challenging circumstances of insolvency. As your appointed bankruptcy trustee, we are committed to handling every aspect of the estate with precision and empathy, prioritising the needs and rights of all creditors involved.
Browse TTJ's
Tools & Resources

Our Myths & Facts bankruptcy guide serves as your compass, helping to steer clear of common misunderstandings and chart a course towards financial recovery.
Bankruptcy
Myth-buster

Is your business facing financial challenges? Discover how Small Business Restructuring (SBR) can help you reduce debt by up to 80% and keep your business operational.
SBR eBook for Small Business Owners

Small Business Restructuring can help your clients slash debts by up to 80%, unlock tax relief and future-proof their businesses. This eBook offers a step-by-step guide to SBR.
SBR eBook for Accountants

Director Penalty Notices (DPNs) can have serious financial consequences, holding directors personally liable for unpaid company tax debts. This eBook explains how to respond, and strategies to protect your assets.
DPN eBook for Directors

Insolvency is tough, but it's not the end. With the right guidance and a proactive approach, you can navigate through this and emerge stronger.
Insolvency
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