Safe Harbour Practitioner and Pre-restructuring Advisor

Ginette Muller

SMALL BUSINESS RESTRUCTURING (SBR)

Ginette Muller, Pre-restructuring Advisor

Ginette is the ideal professional for pursuing all viable best options in the interests of her clients.

Advocating for Directors

Ginette Muller supports business creditors with her strong moral code and sense of justice. She is single-minded in pursuing a fair outcome for her clients, in particular where losses have resulted due to the insolvency of a business.

For example, creditors will often give up chasing assets, leaving it to the liquidator. Ginette knows there are better options for her clients, all which must be examined.

Hear from Ginette Muller interviewed

Ginette Muller
Ginette Muller

“Not every director knows their Corporations Act responsibilities, which can be a problem when dealing with insolvency practitioners who prioritise other stakeholders before directors. That’s why I’m here.”

Qualifying for SBR

The process of Qualifying for SBR (Small Business Restructuring) can be complex. In the first instance, the company’s admissible debt must be under $1million and tax and employee entitlements must be paid and returns up to date.

But there are other requirements. For example the company or the director must not have used SBR within the past seven years. It’s also likely a lump sum payment or a payment plan will be required and the majority of creditor’s agree to the SBR.

Ginette works through the maze, easing the burden for business owners during a challenging period.

Learn more about Business Debt Restructuring

Closing Down with Less Stress

If you believe closing your business is your only option but you can’t pay for liquidation, Ginette may be able to help. Find out about our Formal Letter of Closure option for Closing a Business in Australia.

Safe Harbour Protection for Company Directors

Unforeseen circumstances can push a profitable business into financial trouble. Here’s an example: An important customer owing you money falls over and you have to absorb an unexpected loss. You realise you need to cut costs, which limits your ability to regain your position. Your business is suddenly under threat. Safe Harbour can protect you now, while you work to recover your position.

Find out about Your Situation. Speak to Ginette 

Find out about Your Situation. Speak to Ginette 

Winning Justice via Unconscionable Conduct

If a party to a contract is deliberately mislead and disadvantaged to the advantage of another party, they can be guilty of the serious act of Unconscionable Conduct

The outcomes of proving guilt include:

  • the cancelling of the contract
  • compensation payment to the disadvantaged party
  • an ACCC investigation
  • significant penalties for the guilty party.

Ginette Muller interviewed

Can you give us an update on Safe Harbour’s role in business restructuring?

If I’m concerned about my business, what’s the best way to get in touch with you?

Now that you’re no longer a liquidator, what flexibility does that give you in your role?

Any or all of these reasons for business owners with a Pty Ltd company who:

  • have closed or are likely to close their business without any money left 
  • cannot afford $15,000 but want to place their company into liquidation  
  • want to do the right thing and inform their creditors properly about the business closing down 
  • want to draw a line in the sand so they can get on with their future.

If you have personal assets you want to protect, like a family home or director’s guarantees, this may not be for you, but you should ask us.