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 7th December 2021 Each person’s journey into debt is unique, but rarely is it a journey of reckless financial management. Rather a combination of circumstances lead to difficult decisions, resulting in debt and for the individual, the consequences go beyond the financial. The physical and mental cost Due to the pandemic, six […]
Read moreBy Mr Bankruptcy 23rd November 2021 Now that we’ve had time to let the dust settle on the Chancellor’s autumn budget and digested the vast amount of press coverage, have you taken time to reflect on how the changes will impact your future financial prospects? Below I’ve done my best to distil the most significant […]
Read moreby Julian Donnelly 15th November 2021 We are absolutely thrilled to announce that we have won Financial Reconstruction Specialists of the Year for the 2nd year running in the Corporate LiveWire Global Awards 2021/22. Following our recent success in the SME News Awards and becoming a finalist for the 3rd year in a row at […]
Read moreby Julian Donnelly 12th November 2021 We are absolutely thrilled to announce that we have won Best Insolvency & Personal Bankruptcy Advisory Firm 2021 in the SME News Awards 2021. Following our previous successes in these awards (Best Independent Debt Advisory South East England 2019 and Personal Debt Advisory Firm of the Year 2020), we […]
Read moreBy Mr Bankruptcy 12th November 2021 The Turnaround Restructuring & Insolvency (TRI) Awards 2021 have been announced and for the third year running we are delighted to be finalists for “Personal Debt Solution Provider of the Year”. Last month, in my post 11 years of debt advisory services I was reflecting on how the world […]
Read moreBy Sarah Morris, Emerge Be Who You Are 28th October 2021 The last 18 months or so have seen us having to deal with the unexpected, whilst feeling frightened and confused about what we should and shouldn’t be doing haven’t they? Have you noticed that you feel more anxious now when dealing with everyday situations? […]
Read moreBy Mr Bankruptcy 28th October 2021 After a financially challenging 18 months, a rise in the cost of living will add more pressure to already stretched household and business budgets. What action can you take to avoid falling into unmanageable debt? Inflation is going up This October, the rate of inflation was reported to be […]
Read moreBy Mr Bankruptcy 11th October 2021 This October is James Rosa Associates’ 11th Anniversary. During that time a lot has changed in the world. In 2010, David Cameron became Prime Minister in coalition with the Lib Dems and an ash cloud from the unpronounceable Icelandic volcano Eyjafjallajokull grounded every passenger flight in the country. Yet […]
Read moreBy Mr Bankruptcy 29th September 2021 When company directors set up a limited company, in part this decision is driven by the desire to limit personal liabilities if the business gets into financial difficulty, but are they fully protected from all liability? What is a financial liability? Liabilities are monies or debts owed by a […]
Read moreBy Mr Bankruptcy 21st September 2021 Buy Now Pay Later (BNPL) schemes have come under scrutiny recently due to the huge increase in demand for these services but are there lessons to be learnt about a borrowing option that seems too good not to take? What is BNPL? BNPL offers a convenient way to pay […]
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