A fintech approach to insolvency
River Insolvency was built by people who believe a legal process does not have to feel like paperwork. We combine IPA-regulated insolvency expertise with modern software so cases flow — smoothly for clients, predictably for creditors.
Done properly, not done cheaply.
Personal insolvency has too often been delivered through call centres and scripts. We think a regulated, life-changing legal process deserves the standard of experience people now expect from their bank.
Automation where it counts
Creditor tracing, income verification and document generation are automated, so practitioner time goes into judgement rather than admin.
A journey measured in days
Open banking and e-signature remove the postal loop. Most cases move from first contact to a proposal in a fraction of the traditional timeline.
Radical transparency
Fees, timelines and consequences are explained before you commit, and every stage is visible in your portal thereafter.
Outcomes creditors trust
Realistic, well-evidenced proposals mean higher approval rates, fewer failures and better returns for creditors — which is better for clients too.
Licensed and regulated by the IPA
Every case is supervised by an insolvency practitioner licensed by the Insolvency Practitioners Association. We are not regulated by the Financial Conduct Authority, because formal insolvency appointments sit under the insolvency regulatory regime, not the FCA's.
- IPA-licensed insolvency practitioners on every appointment
- Statutory duties owed to creditors as well as to you
- Fees disclosed in writing before anything is signed
- Clear complaints procedure with escalation to the IPA
- UK-based team covering all four nations
See where you stand
Four questions, an indicative result in minutes, and a practitioner to talk it through when you are ready.