By Mr Bankruptcy 19th March 2020 I hope I’ve made my mission at James Rosa Associates clear: “To be recognised as the most trusted source of debt advice and support in the UK with a reputation for excellence and integrity”. I work hard every day to achieve this aim, to support individuals, professional advisers and insolvency practitioners […]
Read moreBy Mr Bankruptcy 3rd March 2020 If you are in debt to multiple creditors it can be overwhelming, but knowing which debts to pay first can help you to clear them all quicker and therefore save you money. What is a priority debt? Priority debts are not necessarily the largest debts or those with the […]
Read moreBy Mr Bankruptcy 3rd February 2020 If you have already agreed a debt management plan but are now struggling to make the agreed payments, or feel it no long suits your situation, then it’s time to consider your options. Is your debt management plan right for you? When you entered into the debt management plan […]
Read moreBy Mr Bankruptcy 21st January 2020 In December 2019 it was reported that Britons are now £45 billion more in personal debt than they were 10 years ago. If you want 2020 to be the year you take control of your finances and tackle or avoid debt, here are some simple steps to help. 7 […]
Read moreBy Mr Bankruptcy 19th December 2019 The tree lights are up, social calendars are full of seasonal festivities and preparations being made for a big meal at home or that annual journey around the country to visit friends and family – it must be Christmas. For many of us though, while we’re immersed in Christmas […]
Read moreBy Mr Bankruptcy 6th December 2019 In October the Guardian newspaper reported that the number of people facing insolvency in 2019 was heading towards the highest level for almost ten years. As debt problems in the UK continues, are you heeding the signs that your debt needs to be dealt with? The reason for 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 29th August 2019 When a business is in financial difficulty the transition into insolvency can sometimes be swift. As a business owner, you need to be aware of the early signs to look out for that could indicate that your business is at risk of becoming insolvent. What is insolvency? A business […]
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 12th July 2019 When you are in serious debt it’s important to remember that with the right approach, there is always a way to address the situation. To help you make a start, it’s also important to know what to avoid doing in order to prevent your debt situation from getting worse. […]
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