# ASM Recovery

ASM Recovery is a Stirling-based insolvency practice specialising in helping individuals and businesses navigate financial difficulties. Led by Penny McCoull, a licensed Insolvency Practitioner with Member of the Association of Business Recovery Professionals (MABRP) credentials, the firm brings two decades of experience addressing complex financial problems across diverse sectors.

The practice serves a broad clientele, from sole traders and small enterprises to large manufacturers, agricultural businesses, hospitality venues, and even sports organisations. Whether you're running a struggling restaurant, managing farm debts, or facing corporate financial distress, ASM Recovery has encountered and resolved comparable situations. This sector-spanning experience sets them apart from generalist accountants, as they combine the rigorous expertise developed in large accountancy firms with pragmatic understanding of how small businesses and individuals actually operate.

Rather than applying one-size-fits-all solutions, ASM Recovery offers tailored guidance through confidential initial consultations. They help clients explore realistic options for their specific circumstances, whether that involves restructuring, formal insolvency procedures, or alternative arrangements. Their approachability—emphasising that financial difficulties, whilst stressful, are solvable—encourages early intervention before situations deteriorate further.

The firm's value proposition centres on combining technical insolvency knowledge with genuine empathy for the real-world pressures facing struggling businesses and individuals in financial stress.