top of page

Visit our dedicated small business restructuring site for small business owners facing financial distress.

Mountains on the Horizon TTJ Advisory

Resources & Tools

"We are a conduit to taking weight off shoulders and reducing the stress that comes from having to rebuild finances and a future."
Welcome to our resource library filled with useful links to assist your journey. Use the filters to narrow down your options. 
Or click here to view some useful tools.
Filter by Assistance Required
Filter by Scope
Filter by Resource Format

SBR eBook for Accountants

A step-by-step guide to Small Business Restructuring for accountants and advisers: how the process works, who may be eligible, and how to support clients in distress.

Advice Type:

Small Business, Insolvency

Provider Type:

TTJ Advisory

Sole Trader Bankruptcy in NSW: Complete 2025 Guide by Licensed Trustee

A complete guide to bankruptcy for sole traders in NSW by licensed trustee Thyge Trafford-Jones: eligibility, the process, what happens to assets, and the alternatives worth considering first.

Advice Type:

Bankruptcy, Sole Trader

Provider Type:

TTJ Advisory

Insolvency Fact-checker

An interactive tool to help directors and small business owners gauge whether a company may be insolvent and consider early next steps. A starting point, not a substitute for advice.

Advice Type:

Insolvency, Small Business

Provider Type:

TTJ Advisory

DPN eBook for Directors

A guide for directors on Director Penalty Notices: what a DPN is, why timing matters, and how directors and their advisers can respond.

Advice Type:

Bankruptcy, Director, Tax

Provider Type:

TTJ Advisory

Bankruptcy Myth-buster

A plain-English myth-and-fact guide that clears up common misunderstandings about bankruptcy, so decisions can be made on the facts rather than assumptions.

Advice Type:

Bankruptcy

Provider Type:

TTJ Advisory

Guide to Business Restructuring Services in Sydney

An overview of TTJ Advisory's business restructuring services in Sydney: how the firm works with companies in financial difficulty and the formal options that may apply.

Advice Type:

Small Business, Insolvency

Provider Type:

TTJ Advisory

SBR eBook for Small Business Owners

A plain-English introduction to Small Business Restructuring for business owners: what the process involves, who may be eligible, and how it differs from other options.

Advice Type:

Small Business, Insolvency

Provider Type:

TTJ Advisory

ATO's Directors Penalty Notice Information

Under the Director Penalty Regime, directors carry personal liability for their company's unpaid PAYG withholding, GST, and superannuation contributions. If obligations go unreported or unpaid, the ATO can issue a Director Penalty Notice—and in some cases, personal liability cannot be avoided even if the company enters administration or liquidation. The earlier action is taken, the more options remain available. Contact TTJ Advisory for assistance with DPNs.

Advice Type:

Small Business, Tax, Sole Trader, Financial Planning

Provider Type:

Government

AFSA's Guide on Personal Bankruptcy and Company Liquidation

This guide created jointly by AFSA, in collaboration with ASIC and ARITA, offers essential insights into how personal bankruptcy and company liquidation interact.

Advice Type:

Small Business, Bankruptcy, Debt Agreements, Insolvency

Provider Type:

Government

AFSA's Insolvency Eligibility Tool

Determine your eligibility for bankruptcy with AFSA's simple tool, assessing your financial situation and connection to Australia to see if bankruptcy is a viable option for you.

Advice Type:

Bankruptcy, Insolvency

Provider Type:

Government

AFSA's Guidance on Bankruptcy and Tax Returns

This AFSA page details the responsibilities for submitting past and future tax returns, explaining how these filings are handled once you're under the bankruptcy umbrella.


It also has a downloadable form ADVISE OF TAX RETURN if you choose to use an OFFICIAL TRUSTEE as your trustee. 

Advice Type:

Bankruptcy, Tax

Provider Type:

Government

Deciphering A Credit Report

The OAIC's plain-language guide to credit reporting explains what information appears on your credit report and how long each entry stays. Useful reading for anyone managing debt, rebuilding their credit history, or trying to understand how financial decisions affect their creditworthiness over time.

Advice Type:

Debt Agreements, Financial Planning, Legal Advice

Provider Type:

Government

Do you qualify for Small Business Restructuring Solutions?

Would you prefer to restructure rather than liquidate?

Can you reasonably expect your creditors to agree to a restructuring plan?

Are your financial records accurate and up-to-date?

Are your total liabilities under $1 million?

Are your BAS and tax returns up-to-date?

Have you paid all wages, super, and other entitlements that are due?

Have your directors stayed clear of any SBR or Simplified Liquidation process in the past 7 years?

Do you want to keep your business running during and after restructuring?

Are you after a streamlined process that wraps up in 20 business days?

Is your business facing financial trouble but has a chance of bouncing back with the right help?

Next Steps
If you ticked most of these boxes, reach out to us to get the ball rolling. 

Use this compass to gauge the immediacy of your emotional and financial circumstances.
TTJ Advisory Compass

Please answer these simple questions to help us understand a little more about you and your current situation, then navigate you in the right direction.

(Approx. Time: 3 minutes)

Read Our Blog

Insolvency Facts.
Check your knowledge.

Bankruptcy Myths.
Uncover the facts.

Feeling adrift in unfamiliar waters?

Explore more useful tools below.

Sailboat at Sea TTJ Advisory

Bankruptcy Myths.
Uncover the facts.

bottom of page