The views expressed in these blog posts are those of the author and not of James Rosa Associates Ltd. The publication of these posts should in no way be taken as an endorsement by James Rosa Associates Ltd.
By Mr Bankruptcy 26th June 2025 In both personal finance and national economics, debt is a powerful tool – but also a potential trap. The idea of “borrowing your way out of debt” may sound contradictory but it’s something I hear from individuals, companies, and governments. The sustainability and consequences of this approach, however, vary […]
Read moreBy Mr Bankruptcy 2nd June 2025 A debt problem can seep into every aspect of life. It puts strain on relationships, affecting couples, families, friendships and business partnerships. If you are taking action to find financial advice and deal with debt, it’s important not to neglect your relationships at the same time. Social effects of […]
Read moreBy Mr Bankruptcy 22nd May 2025 If you’re feeling overwhelmed trying to face up to debt that’s got out of hand, then a brief break from your creditors would be a lifeline. It would allow you the time and peace to get your thoughts in order, take advice and devise a plan of action, would […]
Read moreBy Mr Bankruptcy 7th May 2025 Unmanageable debt is more than just a financial burden, it comes with deep emotional and psychological costs to individuals, to their business partners and family members. It can affect every aspect of their life. But it can also affect a person’s ability to fulfil their potential, curtailing their future […]
Read moreBy Mr Bankruptcy 22nd April 2025 Facing a debt problem can be overwhelming, but the journey to regaining control starts with understanding the nature of your debt and your credit habits. A credit report is a personal ‘school report’ on your borrowing behaviour. It can reveal why lenders don’t want to take a risk on […]
Read moreBy Mr Bankruptcy 1st April 2025 In today’s uncertain world, achieving financial freedom is a goal that many people would aspire to. Many think that financial freedom is something for well-off people, planning for a luxury retirement. But for my clients, achieving financial freedom often means something very different. It’s simply about not being kept […]
Read moreBy Mr Bankruptcy 17th March 2025 Bankruptcy is a complicated and stressful process to go through, but is it worse depending on which side of the border you live? It’s reassuring to know that both legal systems aim to give people who are struggling with unmanageable debt a fresh start. But there are some important […]
Read moreBy Mr Bankruptcy 28th February 2025 As a debt advisor, I deal with all sorts of clients – from individuals, to sole traders, to directors of companies. The nature of their problem can be just as varied: the cost of living is hitting individuals and families hard; small businesses are being squeezed out by high […]
Read moreBy Mr Bankruptcy 18th February 2025 In the 12 months ending 30 June 2024, one in 457 adults in England & Wales went into bankruptcy, according to government figures. Bankruptcy can be the most appropriate step to take for an individual or a business facing unmanageable debt, but it can also signal emotional anguish and financial […]
Read moreBy Mr Bankruptcy 30th January 2025 Fans of Ernest Hemingway might be familiar with the following from his 1926 novel, The Sun Also Rises: “How did you go bankrupt?” Bill asked. “Two ways,” Mike said. “Gradually and then suddenly.” Some things never change, and it’s just as true for businesses and even nations as it […]
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