By Mr Bankruptcy 17th September 2024 Filing for bankruptcy can be the best way to move forward if you face an unmanageable debt and creditors are breathing down your neck. But what if a creditor makes the first move and applies to the courts to declare you bankrupt? Does it make a difference or put […]
Read moreBy Mr Bankruptcy 2nd July 2024 We like to provide a comprehensive list of services to offer clients struggling with debt, but I do hesitate to call us a “one-stop” shop. While we can provide broad debt advice to help clients understand the options available to them, I am never too proud to steer them […]
Read moreBy Mr Bankruptcy 26th April 2024 When you face what looks like an insurmountable debt mountain, any relief can make all the difference, not only to your ability to clear a debt, but also to your mental wellbeing. James Rosa Associates is proud to have arranged a total of £20.6 million* in debt write-off for […]
Read moreBy Mr Bankruptcy 15th March 2024 In many news stories we hear about ongoing negotiations to resolve disagreements or even conflicts. As debt advisors, negotiation is one of the services we offer clients, and it has become a key tool in many of our cases. So how does negotiating help to resolve an unmanageable debt? […]
Read moreBy Mr Bankruptcy 29th April 2021 Did you know that it may be possible to negotiate a settlement with your creditors? This could clear your debts quicker than you had thought possible, so that you can move on with a debt free life. What is a negotiated settlement? If you have a lump sum of […]
Read moreBy Mr Bankruptcy 27th May 2020 Many businesses are trying to adapt to new ways of working during lockdown and for those which are also managing existing debts, this additional burden is taking a toll. For many, lockdown is exacerbating debt problems and it can be hard to know what to do next. Managing debt […]
Read moreBy Mr Bankruptcy 30th October 2019 Sadly, in the news last week was another report about suicides directly related to debt. This particular report looked at people who had committed suicide after contact with HMRC, but I think this is being harsh on the taxman. It’s believed that up to 50% of people struggling with […]
Read moreBy Mr Bankruptcy 12th August 2019 As a debt advisor I see the profound effect that unmanageable debt has on any person’s wellbeing but particularly on those people who are in a vulnerable situation can find it additionally difficult to manage their debt. There is no single approach to managing debt and each client’s needs […]
Read moreBy Mr Bankruptcy 21st June 2019 Taking back control when you are in a debt situation that you feel is out of control and overwhelming is a crucial step. Working with people to help them understand their situation and to empower them to make decisions about their options is integral to our debt advice approach as […]
Read moreBy Julian Donnelly 27th January 2017 Since taking over the regulation of consumer credit in 2014, the Financial Conduct Authority (FCA) has made great strides raising standards right across the board, and in particular the payday loan and debt management sectors. One of the cornerstones of the new regulatory approach is “Treating Customers Fairly” […]
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