Bankruptcy Navigation Concierge Service (Personal Debt Resolution Specialists)
A specialized staffing and coordination service that pairs individuals/small business owners with trained debt resolution specialists (not lawyers) who guide them through the entire personal bankruptcy process in Shenzhen and pilot cities. The service handles document preparation, deadline tracking, creditor communication, and court filing coordination—acting as a translator between the legal system and the client.
38 weeks • 70% confidence
Value Proposition
Eliminates the need to hire expensive lawyers (5,000-20,000 RMB retainers) by providing trained specialists at 1/3 the cost who know the specific Shenzhen bankruptcy procedures intimately and handle the repetitive, non-legal coordination work that consumes 80% of the process.
Target Audience
Individuals and sole proprietors with debt >100k RMB facing insolvency; small business owners with personal guarantees on business debt
Key Features
- Initial financial assessment call to determine bankruptcy eligibility and timeline
- Document checklist and preparation support (asset inventory, income verification, creditor lists)
- Deadline calendar management with SMS/WeChat reminders for each filing stage
- And more, with full implementation detail...
Tech Stack
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Sign up freeOriginal Problem
Chinese individuals and small business owners struggle to manage personal debt and bankruptcy proceedings without clear legal guidanceChinese entrepreneurs and individuals facing financial distress lack accessible solutions to navigate personal bankruptcy laws, resulting in prolonged debt situations and uncertainty about legal protections. The Shenzhen pilot program shows 810 applications over 5 years, indicating significant demand for formal debt resolution mechanisms that people currently cannot easily access or understand. Existing solutions fail because bankruptcy procedures are complex, unfamiliar to most people, and require specialized legal knowledge that is expensive and hard to find.
Score: 18.2%