We can get the creditors off your back, give us a call to book a free consultation. My name is Ralph Culp. I started as a Chartered Accountant in 1976. I have been working in the bankruptcy and insolvency field sine 1990, over 25 years now and it really is true, time does fly when you enjoy what you do. I enjoy what I do. I can help people with debts they can't pay. I can change the quality of their lives. When asked what I do I have said this. I pick people up, dust them off and help them on their way to a better life. Many have gone on to do very well. more... See more text