Our Team

Our team at Carter Halliwell have extensive experience from working at both regional and national insolvency practices. Additionally, a number of our team have previously owned their own businesses, which gives them a real understanding of the many challenges that are faced by business owners. 

Our senior management are very ‘hands on’ and both our clients and potential clients receive the same level of involvement, attention and advice whether they’re a large company with significant debts or an individual.  

We’ll help find a solution for anyone in financial difficulty and always give unbiased and professional guidance - because the right advice is the best advice.  

An overhead shot of four hands gripping each other in a team-building-like stance. Beneath the hands is an office desk full of documents.

Get in Touch

It’s never too late to find out what solutions are available for you but sometimes taking advice early on can mean that there are more options to choose from. Please get in touch today either by phone or using the link below. 

Call us on: 01942 929376

Address: Westwood Park, Wigan, WN3 4HE

Tracey Howarth

After working for 7 years in the logistics industry, where she gained valuable business experience, Tracey embarked on a career in insolvency to use her business acumen to help people and companies that were experiencing financial difficulties. After spending time working at North West Insolvency Practice and later Leonard Curtis, she established her own insolvency practice in 2015. In 2016, as the business expanded, it relocated to Bolton and re-branded as Carter Halliwell. 

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Harjit Moore

Passionate about the power of tech for the consumer, Harjit founded Freeze Debt in 2019 after running various call centres for 8 years. From having run nightclubs and pubs to owning cleaning companies and selling insurance, Harjit has made a name for himself as a self-made businessman and has taken Freeze Debt from strength to strength, winning numerous awards along the way. 

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Sinclair Elliot

A business transformation expert, management consultant and senior programme director, Sinclair co-founded Iridium Consulting in 2018. Iridium provides project augmentation services for TransUnion, YBS, Skipton Building Society, Bank of Ireland, NewDay and RichBurns. Throughout his career, Sinclair has developed a comprehensive understanding of what it takes to build and manage top performing business teams, that effectively deliver enterprise-wide business and IT initiatives. 

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Richard Carter

As an accomplished leader of people in high change environments, Richard has been at the forefront of payment systems in the UK and has revolutionised the industry. Having worked as chief executive at Nostrum Group for over 15 years before merging with Equiniti, over the last 5 years Richard has extended his activities and is now an active angel investor and mentor for both commercial and not-for-profit enterprises. The knowledge and experience he provides is invaluable for our board. 

Aaron poses in front of a wall mounted 'Debt Advice Service' wall plaque. He wears a navy sweatshirt.

Aaron Blackman

With over 15 years of experience working in debt advice and management, Aaron is one of the leading voices shaking up the debt industry. He launched The Debt Advice Service 6 years ago and since then, it’s grown to be one of the most trusted services within the industry for industry professionals and customers alike; with a focus on compassion and clear-cut advice. 

The Board