Home Smart 100 2012 Bankruptcy and Insolvency (SMART 100)

Bankruptcy and Insolvency (SMART 100)


Show your support for this innovation. Tweet it. Like it on Facebook. Leave a comment.

The following SMART 100 profile and the information it contains is a duplication of content submitted by the applicant during the entry process. As a function of entry, applicants were required to declare that all details are factually correct, do not infringe on another’s intellectual property and are not unlawful, threatening, defamatory, invasive of privacy, obscene, or otherwise objectionable. Some profiles have been edited for reasons of space and clarity. More about the SMART 100.

Bankruptcy and Insolvency (QLD)

This innovation initially came to life when…

I discovered that there was a way of giving people who experienced financial difficulty a way to declare bankrupt, to become annulled from bankruptcy within six months. However the “innovation” is giving the client their life back and a clear credit rating as if the bankruptcy never happened or existed in the first place.


The purpose of this innovation is to…

To take a person in and out of bankruptcy like it did not happen in six months or less with perfect credit, therefore achieving a result that the person was never a bankrupt and can now start life again.

It does this by…

A person is declared bankrupt, a proposal is put to creditors offering a sum of money to annul the bankruptcy. A meeting is held, creditors vote. Once the percentages are reached, the client is annulled from bankruptcy becoming in legal terms “void ab intio”, void from the outset and we return the credit to that of before their bankruptcy.


Its various benefits to the customer/end-user include…

It will take a person who is in most cases ready to commit suicide or lose everything and allow them a fresh start. It gives them leverage — the ability to borrow money again or be director of a company.


In the past, this problem was solved by…

Nobody understands how this product actually works, the science behind how we achieve this and take out the emotion of the bankruptcy (i.e. the creditors who have lost money). In the past, people just declared bankrupt, waited three years and tried to pick up the pieces. Now they have an opportunity at life again in six months.

Its predecessors/competitors include…

There is nobody who can compete with our product or service as we are the only specialist who understands how all of the relevant state and commonwealth legislations work together.


It is made for…

All people in Australia that are about to or ready to declare bankrupt.


It is available for sale through…

Through our company Insolvency Guardian and our team of experts led by Bernard Neville, the chief executive officer of Insolvency Guardian.

Our marketing strategy is to…

We market largely via the Internet; we have more than 500 websites with targeted keywords which directly target our audience. We also advertise in newspapers, via billboards and railway skins, and sponsor a variety of sports including the Sydney Kings, Gold Coast Blaze and the Brisbane Lions. We give back to the public in sponsorship at grass roots.



You can show your support for this outstanding Australian innovation in three ways:

  1. Tweet it: Top left of each page
  2. Trigger a Reaction: Facebook ‘Like’, etc.
  3. Leave a Comment: Anonymous comments excluded.