Awards and Recognition
We are proud to be nominated as the top finalists of "Litigation Law Firm of the Year", "Dispute Resolution Boutique Law Firm of the Year", "Regional Litigation of the Year"and "Malaysia Law Firm of the Year" by ALB (Asian Legal Business) Law Awards 2017, 2018 and 2019 for Malaysia and South East Asia.
Bankruptcy & Insolvency
“Resolving financial distress with strategy, discretion and practical outcomes.”
Bankruptcy and insolvency matters are stressful and high-stakes — whether you are a creditor seeking recovery, or a debtor facing enforcement action. These issues often involve strict timelines, significant financial exposure, and personal or business disruption. With the right legal strategy, many disputes can be resolved earlier and more efficiently through structured negotiation, proper enforcement planning, or a court-managed process where necessary.
Here at Low & Partners, our Bankruptcy & Insolvency team advises clients across the full spectrum of debt recovery, judgment enforcement, bankruptcy proceedings, corporate insolvency, restructuring and settlement negotiations. We assist individuals, business owners, SMEs and corporates — from early-stage cashflow issues to complex multi-party disputes.
Our Bankruptcy & Insolvency Services mainly include:
A. Creditor Recovery & Enforcement Strategy
We assist creditors to maximise recovery using the most appropriate legal route, including:
- Letters of demand and pre-action negotiation
- Civil claims for unpaid invoices / outstanding sums
- Judgment enforcement strategies (tailored to debtor’s asset profile)
- Bankruptcy proceedings (where appropriate for individual debtors)
- Negotiated settlements and structured repayment arrangements
B. Debtor Advisory & Protection Options
We advise debtors on realistic options before and during enforcement action, including:
- Reviewing exposure and risk of bankruptcy
- Responding to legal demands and court documents (time-sensitive)
- Negotiating settlement terms, instalments and repayment plans
- Advising on consequences of bankruptcy and mitigation steps
- Practical next steps to stabilise financial position while protecting rights
C. Corporate Insolvency, Restructuring & Winding-Up Related Matters
We support companies, directors and stakeholders on insolvency risk and resolution, including:
- Insolvency risk assessment and immediate response planning
- Winding-up related advice (creditor or company side)
- Debt restructuring support and settlement frameworks
- Advising directors on duties and exposure during financial distress
- Strategy for business continuity, stakeholder communications and dispute prevention
Meeting our clients’ needs
Financial distress cases are rarely “just legal”. They involve cash flow pressure, commercial relationships, reputational concerns, and emotional strain — especially where businesses, families, and livelihoods are affected. Creditors want effective recovery without wasting time and costs. Debtors often need urgent clarity on consequences, timelines, and alternatives.
A focused bankruptcy and insolvency approach helps clients:
- choose the right enforcement or defence strategy early
- reduce cost and disruption through structured negotiation
- protect assets and commercial interests where possible
- avoid preventable escalation, delays, and procedural mistakes
- reach a practical outcome — whether by settlement, recovery, restructuring, or court process when necessary
We aim to resolve matters in the most appropriate, efficient and commercially sensible way, with discretion and clear advice at every stage.
FAQs- Common Client Concerns
We advise and represent clients on legal options when debts cannot be paid on time, when recovery is needed, or when bankruptcy/insolvency action is being considered or threatened. This includes strategy, negotiation, drafting, court processes, and enforcement planning.
Generally when other recovery steps are ineffective and the debtor appears unable or unwilling to pay. A lawyer can assess whether bankruptcy is suitable versus other enforcement routes.
Treat it as time-sensitive. Early advice matters because deadlines can affect your options and leverage in negotiation.
Often, yes. Many disputes resolve through structured negotiation, settlement terms, or repayment plans — but the right approach depends on the facts and the opposing party’s position.
Insolvency describes the inability to pay debts when due (a financial condition).
Bankruptcy is a legal status imposed through a formal legal process for individuals.
Depending on the situation, options can include settlement frameworks, restructuring, or winding-up related steps. The earlier you assess the position, the more options you usually have.
Related Solutions
Malaysia Dispute Resolution & Litigation
Pre-Court Strategic Analysis
Debt Recovery/ Fraud
Corporate & Commercial Disputes
Employment Law
Defamation
Construction Arbitration & Adjudication
Consumer Protection Disputes