Download Documents

Download Documents

We have a list of all of the documents you may need to reference, prior to and while we administer your IVA or Bankruptcy.

If you have any questions, please contact us.

About Us

About Us

Pareto Money Management is based in Liverpool.

We specialise in arrangements such as an IVA, in which we can help write off a portion of your debts, and reduce payments to a manageable level.

Contact Us

Contact Us

If you have any questions or need any advice, please give us a call.

We are also available by email, and can give you a ring back at your convenience.

Meet the Team

The Team

Carl McMullen Insolvency Practitioner 
Licensed Insolvency Practitioner (IP)

MIPA (Member of the Insolvency Practitioners Association)
MABRP (Member of the of Business Recovery Professionals (R3))

Started in Insolvency in 2003 as a Debt Advisor and quickly progressed to an Insolvency Administrator and then up to Team Leader level. I enjoyed working in Personal Insolvency and had a desire to further progress my career and sat my CPI (certificate of Proficiency in Insolvency) exams in 2008 and my JIEB Exam (Joint Insolvency Examination Board) in 2013. Whist I have worked in Insolvency for many years, I joined Pareto Money in 2016 and started taking appointments in 2017.
I have a very close working relationship with the major creditor representatives and believe this adds value to the company and our customers.
Jillian Sefton
Jillian Sefton IVA Appointments 
Qualified as a lawyer in 1999.

Worked in insolvency for the last 9 years - carrying out all aspects of IVA work.

Involved in setting up Trust Deed Team, training and managing Trust Deed Team 2006 to 2008.

Managed IVA Post appointment Team and Trust Deed Team 2008 to 2010.

Managed - Cleardebt Chesterfield office - 2010 to 2011.

2010 Joined Knightsbridge, Manchester to set up and supervise their Post-Appointment IVA Department until 2012.

Joined Pareto - 31 January 2012 - Reviewing files for IVA suitability, drafting proposals, setting meeting of creditors and now looking after post approval IVAs.
Kristofer Ridgway
Kristofer Ridgway IVA Drafter 
Worked in the insolvency industry for near five years (three firms in total) including Churchwood. I also have experience working with Scottish Trust Deeds.

Started at 123 Debt Solutions working as a Creditor Liaison Officer.

At Pareto I now work as an IVA Administrator.