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 19th June 2019 An article in the Independent in April stated that the majority of people find it easier to talk about mental health issues than debt. This is particularly concerning when 44% of adults in the UK are hiding debts of more than £4,000. So why is it so difficult to […]
Read moreBy Mr Bankruptcy 3rd June 2019 There’s often a feeling of lack of clarity and being out of control when debts become unmanageable, and this quickly piles stress onto what’s already a difficult situation. However, making an IVA to consolidate your debts can help you to take control of your life again. What is an Individual […]
Read moreBy Mr Bankruptcy 23rd May 2019 The thought of negotiating a debt settlement with creditors may seem daunting and unlikely route to get you out of debt. Where would you begin? However, it could be an option worth considering when there is expert support available to you. What is a negotiated settlement? With a lump […]
Read moreBy Mr Bankruptcy 2nd May 2019 The thought of bankruptcy is undoubtedly scary for businesspeople but this is often because of the horror stories we hear. If we could dispel some of the stories surrounding the bankruptcy process more people could begin to think about their options based on facts, not fiction. Seek specialist bankruptcy […]
Read moreBy Mr Bankruptcy 18th April 2019 Facing a growing debt problem is a stressful and often lonely road to walk and there’s going to be a temptation to do whatever you think will make the problem go away as fast as possible. On the one hand, it’s usually best if your debt starts to become […]
Read moreBy Mr Bankruptcy 21st March 2019 How could Brexit impact on your business? When I was first introduced to polite society, I was told never to bring up sex, religion and politics at the dinner table. We’ve added another taboo subject to the list since then. I’ve lost count of the networking events I’ve been […]
Read moreBy Mr Bankruptcy 15th March 2019 I’ve seen a large increase in my debt casework involving personal guarantees lately but it’s been a while since a case involved one of the big four UK high street banks. Most of the problem debt cases I’m dealing with involves secondary lenders. So what’s going on with secondary […]
Read moreBy Mr Bankruptcy 27th February 2019 One of the first things I get asked by clients who find themselves with unmanageable debt and facing statutory debt solution such as an IVA or filing for bankruptcy is whether they will lose their house. As I explained in a previous blog post, during bankruptcy proceedings secured loans […]
Read moreBy Mr Bankruptcy 30th January 2019 Last January Carillion announced it had run into trouble and went into liquidation. It’s not surprising that January 17th, Blue Monday, is considered the most miserable day of the year – and the weather doesn’t help. Carillion’s problems were caused by losing money on contracts and running up large […]
Read moreBy Mr Bankruptcy 17th December 2018 Christmas – a time for giving gifts, eating and drinking and inviting friends and family around to celebrate. But if you’re already facing a personal debt problem, or your business is suffering from cash flow issues, then you may not feel like celebrating; you may be worrying that Christmas […]
Read more