Your Directors Advocate

Name: Your Directors Advocate
Address: 17 Neumann Road, Capalaba, QLD, 4157, AU
Telephone: +61438764710

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Helping Directors and Small Business Owners navigate Liquidation and Bankruptcy

30/10/2026

❓ "If I close the company, does that get me out of my personal guarantee?"

✅ No, and this catches a lot of directors out. A personal guarantee on a loan, lease or supplier account sits outside the company entirely, so closing, liquidating or restructuring the business doesn't touch it. If you've signed one, that creditor can still come after you personally regardless of what happens to the company.

The good news is a personal guarantee isn't automatically a dead end either, there are usually options for negotiating directly with that creditor, but it needs to be handled as its own separate issue, not lumped in with the rest of the company's debts.

Not sure which of your business debts you're personally exposed to? That's exactly the kind of thing worth untangling early. Call 1300 851 775 for a free first consultation, or visit our website, link in comments.

28/10/2026

📋 Asset protection isn't just for when things go wrong

A lot of directors only start thinking about asset protection once trouble's already on the horizon, by which point some of the useful options are no longer available. Genuine asset protection planning happens early, well before there's any sign of financial difficulty, and it looks very different depending on when it's done.

If your business is currently doing okay but you've never properly reviewed how your personal and business assets are structured, that's actually the ideal time to do it, not a sign something's wrong.

We help directors think through asset protection with a clear head, whether things are steady or already under pressure. Call 1300 851 775, or visit our website, link in comments.

26/10/2026

❓ "Do I have to tell my staff we're struggling?"

✅ There's no blanket rule, it depends on the situation and how far things have progressed. What we'd say is this: staff often sense financial stress before anyone says a word, and a business owner who plans ahead is usually in a far better position to look after their people properly, whatever happens, than one who's forced into a sudden, reactive decision.

If you're weighing this up, it's a conversation worth having with someone who can look at the whole picture, not just the immediate question. Call 1300 851 775 for a free first consultation, or visit our website, link in comments.

23/10/2026

📋 The cost of ATO debt just went up, even if the debt itself didn't grow

Since 1 July 2025, the interest charged on unpaid ATO debt is no longer tax-deductible. That's a change that doesn't show up as a bigger number on the statement, but it does mean carrying ATO debt now costs more in real terms than it used to. [needs Karen to confirm exact ATO wording before this goes out]

If you've been carrying ATO debt and assuming it's a manageable, static cost, it's worth revisiting that assumption. A debt that felt sustainable a year ago may not be anymore.

We help directors get a realistic picture of what their ATO debt is actually costing them, and what to do about it. Call 1300 851 775, or visit our website, link in comments.

21/10/2026

❓ "I'm behind on my ATO payment plan. What actually happens next?"

✅ It depends on how far behind and why, but falling behind on a payment plan doesn't mean instant enforcement action. What it usually means is the ATO has more discretion about what happens next, and that discretion tends to favour directors who communicate early rather than go quiet. If a plan isn't working because the numbers were never realistic, that's worth addressing directly rather than letting it lapse.

If your payment plan has become unworkable, we can help you understand your options before the ATO makes the next move. Call 1300 851 775, or visit our website, link in comments.

19/10/2026

📋 Construction and trades: why this industry is doing it tougher right now

Building and construction businesses have made up a disproportionate share of company failures over the past couple of years, driven largely by fixed-price contracts signed years ago that never accounted for how much materials and labour costs would rise. If you're a builder or tradie feeling squeezed by a job that seemed fine on paper but isn't working in practice, you're seeing a pattern playing out right across the industry, not a personal failure.

Recognising the pattern early, before it's baked into every job on your books, gives you far more room to act.

If you're in trades or construction and the numbers aren't adding up the way they used to, let's talk. Call 1300 851 775, or visit our website, link in comments.

16/10/2026

❓ "I've already paid some creditors more than others. Could that come back to bite me?"

✅ It can, in certain circumstances, particularly if the business ends up in liquidation later and a payment is treated as giving one creditor an unfair advantage over others. This area has real nuance, and it depends heavily on timing, the relationship with the creditor, and the financial position of the business at the time. It's not something to guess about.

If you're worried about payments you've already made, the sooner you get a clear picture, the more options you have. Call 1300 851 775 for a free first consultation, or visit our website, link in comments.

14/10/2026

📋 Small Business Restructuring: the option a lot of directors don't know exists

Small Business Restructuring lets an eligible company negotiate a debt deal with creditors while the director stays in control of the business, it's a genuinely different path to liquidation or full voluntary administration. Since it was introduced, more and more small businesses have used it, and it's now a meaningful share of all insolvency-related appointments in Australia.

It's not the right fit for every business or every debt situation, eligibility and timing both matter. But if you've assumed your only choices are "pay it all" or "shut it down," it's worth finding out whether this middle path applies to you.

We can help you understand whether restructuring is a genuine option for your business. Call 1300 851 775, or visit our website, link in comments.

12/10/2026

❓ "Is liquidation the only option if I can't pay my debts?"

✅ No, and it's often not the best one. Liquidation is one path among several, restructuring, negotiated payment arrangements, and voluntary administration can all lead to very different outcomes depending on the business and the situation. The option that protects you and gives the business the best chance often isn't the one people assume by default.

The only way to know which path actually fits your situation is a proper look at the numbers and the circumstances, not guesswork. Call 1300 851 775 for a free first consultation, or visit our website, link in comments.

09/10/2026

📋 Payday Super and cash flow: why more directors are feeling the squeeze

Since 1 July 2026, super has to be paid within 7 business days of every payday instead of once a quarter. For a lot of small businesses, especially those with tight cash cycles, that's a real change to how money moves through the business, there's less room to juggle timing than there used to be.

If a payment gets missed under the new rules, the ATO now calculates the shortfall and adds interest and charges automatically. It's a good time to check your payroll and cash flow setup can genuinely keep pace, before a timing issue turns into a compliance issue.

If cash flow pressure is building and you're not sure where to turn, we're here to talk it through. Call 1300 851 775, or visit our website, link in comments.

Address

17 Neumann Road
Capalaba, QLD
4157

Telephone

+61438764710

Website

http://yourda.com.au/

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