Testimonials

Here’s what our clients say about us:

“A friend of mine passed on Julian’s details to me after my business went into voluntary liquidation with outstanding finance.

Given the circumstances I was immediately put at ease once I began corresponding with Julian. I’m old school and preferred to talk on the phone especially after reading through emails from the finance company that Julian kept me updated with!

The initial outstanding balance was a sizeable amount which should have been shared 50/50 with my ex business partner but apparently finance companies can go after the easy option legally (people agreeing to go into business with others who are supposedly meant to be friends should carefully consider what assets the other has before they do!)

However the outcome was very successful as Julian performed a feat that seemed very unlikely and I was satisfied with the balance to clear my liability with the finance company which I sincerely believe I wouldn’t have achieved by myself.

I would and will (if anyone I know) recommend Julian for his services!”

K.H – Northamptonshire

“Thank you so much for your support and care while my bankruptcy, you were always there for support and advice. I never felt alone because I knew you are a phone call away. I was struggling for over 7 years because of debts. You gave me courage and advice, showed me the right way.

I will definitely recommend your services to anybody I know who is in the same situation like me and suffering badly because of debts. You are a super star.

Thank you once again.

5 stars.”

S.R – Surrey

“It’s now two years since I engaged your services and I’m very grateful for your guidance along the way. After years of running a reasonably successful and lucrative business, I never expected to find myself in a position where I would have to declare bankruptcy. Once it became clear that it was the only option at the end of 2019, your help was invaluable. It would have been very difficult to plot a safe course through the application, interview, frozen bank accounts and the tricky matter of my beneficial equity. Then, later on, there was the issue of the IPA and the final negotiation with the Trustees over summer. I honestly don’t know where I would be without your help over the past couple of years.

I don’t plan to have to use your services again, but would certainly recommend that anyone in a similar position should contact you. You were reassuring throughout, but also realistic at critical points, with an uncanny sense for how things would turn out (predicting how much would be needed to buy my beneficial equity to the penny). I’m very grateful. Anyone who knows bankruptcy is looming should definitely seek your advice”

T.S – East Sussex

“From the beginning to the end, this process has been one of the hardest and most personally intrusive of my life so far.

Julian’s approach was nothing but sincere and professional throughout. When I needed advice and guidance, he was there to assist me through the maze of questions and queries that a normal personal just wouldn’t have a clue of navigating through.

He gave me options and choices that allowed me to personally choose my path through this horrible process and at no time did he pressure me to go for one way or another. He explained each paths pros and cons and also the government [Insolvency Service] predicted responses, not that I really had any communication at all from them.

Now that I have journeyed through my year of government assessment [as an undischarged bankrupt], Julian is helping me rebuild my life with advice on how to start getting back on the financial merry-go-round again.

When you read his testimonial on his website, to me that is exactly how he comes across in real life. It’s a 5* service from start to finish in a point in your life when that’s exactly what you need. I couldn’t recommend his services higher.”

L.E – Kent

“Julian Donnelly provided exert and thoughtful advice throughout my insolvency process. He was always available to discuss my concerns. Thanks to him the whole process was far less stressful and fraught than I anticipated.”

D.H – Sussex

“I was looking for help regarding my personal bankruptcy. I needed someone to guide me through the process so naturally I contacted a local firm of accountants.

They said they couldn’t help, however they recommended James Rosa Associates. I contacted Julian and he understood my situation immediately.

My situation was unique involving overseas elements however it didn’t phase Julian at all. He understands not just the procedural issues but also the emotional side of going through bankruptcy. He cares about the impact of bankruptcy on family and made himself available for questions from my partner too.

His approach is friendly and professional at all times, no question is too small and he has always responded quickly to any question or worry I had, quickly put my mind at ease with his experience-based advice and practical help. When needed he was a formidable interface between third parties and myself.

It takes a lot of pressure off your mind knowing that Julian is always there to give advice or step in between you and any third party.

I felt protected throughout the whole process and I would recommend Julian’s service without any hesitation whatsoever”.

J.B – London

“I started working with Julian in September 2019.

I had been through an exceedingly difficult liquidation of a business I had started and run for 14 years.

Julian was recommended to me by the liquidation company to assist with personal guarantees on different accounts we held.

The first thing I noticed about Julian was his ability to calm a situation down with creditors, he is extremely professional but also has a side to him that understands the situation and the stress it puts on his clients.

Julian has had first-hand experience of debt and I think this is what makes him so understanding of the situation I was in.

Julian was able to hold off creditors for enough time for me to get some funds together to arrange settlement.

He is very quick with responses and looks at every angle to achieve a satisfactory outcome.

We had one exceedingly difficult national company that was horrendous in their behaviour, they would deny all manner of things even though we had emails and letters proving they were wrong.

Julian was able to communicate with them at a high level and the debt was settled 18 months later, the original debt was £84k and a settlement of £35k was agreed.

Working with Julian was extremely easy, and he helped me with a raft of emotions that would surface at different times, the whole process of liquidation and personal guarantees is difficult, but Julian was always positive in his approach and ultimately helped me with the issues.

I would like to thank Julian for his professional approach and always being available to assist, even if it was an emotional fear that goes with these situations.”

L.T. – Suffolk

“In December 2018, my company was £300k+ in debt and with a number of personal guarantees to my name and CCJs and restrictions looming, I was suffering crippling anxiety and with a wife and three young children to support I didn’t know which way to turn.

Julian Donnelly helped me recognise that bankruptcy was my best option, and advised me through the entire process end-to-end. With his guidance I was able to achieve a settlement of £30k to the creditors whilst retaining my assets. It was without doubt a far better outcome than I could ever have hoped for and having Julian by my side was a vital step in making this possible.

Thank you Julian and his team at James Rosa Associates Ltd for guiding me through my bankruptcy journey, and making me realise there really is a light at the end of the tunnel!!”

J.L. – London

“At the beginning of 2018 my then company was struggling to carry on trading due to a customer withholding £95,000 for no reason apart from they decided they didn’t want to pay the money owed. Because of this, I tried to keep the company trading by getting myself personally in debt.

Also since 2015 I had been suffering from a mental breakdown due to pressures at home and work, which was not helping me to think straight towards any financial decisions within the company.

By December 2018 I had decided enough was enough and my then accountant introduced me to Julian (James Rosa Associates). I couldn’t believe that not only was I closing my company after 7 years but I was also having to get ready to make myself bankrupt, due to the large financial debt I had taken on to try and keep the company running.

Julian put my mind at ease and explained each step that we would have to take to start the bankruptcy and also what will happen during the bankruptcy.

If it wasn’t for Julian guiding me all the way through my bankruptcy, then I actually don’t know if I would be here today, due to have been suffering from a mental breakdown, having to close my company, declare myself bankrupt and then within a month of all this my then wife kicked me out of my family home. Julian’s guidance and he personally experience of bankruptcy had shown me that there was light at the end of the tunnel.

I have now been discharged from my bankruptcy and the future is looking brighter than it has for years.

So I would like to say a massive THANK YOU to Julian and James Rosa Associates for the help during my own personal crises. 1-”

M.L. – Kent

“Dear Julian,

Please accept this letter in appreciation of all the care and effort spent by yourself in the matter of my Bankruptcy.

You have made a very difficult time for me a lot more comfortable than would have been the case.

I would recommend to any ne thinking of using your services to go ahead without any delay.

Once again all my thanks.”

B.T. – Margate

“Out of the blue I received a large claim from the Joint Liquidator in respect to an outstanding Directors Loan account obligation I had previously sought financial advice on via my accountant.

Having never been in this situation before I was completely out of my depth and had no idea of what action to take. I was stressed to the point of being in a state of panic.

Julian instantly provided clear and concise advice in parallel with a structured and rationalized plan of action to resolve the situation.

Julian was always contactable and managed the situation from start to finish – going above and beyond. I was extremely impressed with the end result and could not recommend him enough to anyone else who finds themselves in a similar situation.”

E.C. – London

“We had two personal guarantees to settle and came across James Rosa Associates online. We had a discussion with Julian and found him to be honest, direct and professional.

Julian helped us settling our debts with our lenders saved us a considerable amount of money, he was professional throughout the process and we would highly recommend him to anyone.”

J.K. – Buckinghamshire

“When I was drowning deep in debt, my advisor offered to introduce me to James Rosa Associates. My advisor said this company will care from you from cradle to grave! What an expression when you are nearly at the end of it all, but the truth was that Julian was the most professional and caring person you needed at a critical time.

Julian took care of each and every detail of my problem and helped me go into a year of quite enjoyment of complete silence – NO phone calls chasing me for payments – no emails – absolute peace. A whole year went by and every so often I would get a kind caring call from Julian to ask how I was. Indeed, music to ones ears. Thank you so much Julian. I would highly recommend you to anyone in debt.”

A.M. – London

“As a result of severe financial difficulties and after serious consideration, it was decided that the only realistic option was to file for bankruptcy. Being unsure of the formalities, Julian Donnelly was recommended as a consultant able to provide the necessary guidance through the bankruptcy process.

Julian was duly instructed in what proved to be a far more tortuous and complicated application than was envisaged at the commencement of proceedings. His expertise and advice proved to be invaluable when dealing with the Official Receiver both during the application process and following bankruptcy being ordered, through to discharge.

Throughout the bankruptcy, Julian acted in a friendly and considerate but always professional manner. One can never be entirely certain about the recommendations given, but in this case, any reservations were unwarranted. The recommendation and the subsequent decision to instruct James Rosa Associates proved to be instrumental in bringing the financial situation and bankruptcy to a satisfactory conclusion.”

D.T. – Surrey

“I have started my first ever business as a young entrepreneur made the mistakes in financial decision making, having no experience and guidance and on the top relentless and opportunistic franchise who has mis-sold big time and had their share with their own introduced brokers, unfolded with time.

I was in process of starting liquidation and thinking about bankruptcy when I was introduced to Julian by one of the top liquidators in city of London and to be honest have approached Julian in a half hearted approach, given the tough circumstances and the crumpling mindset I was in that time.

In short, I had 6 hostile creditors at my back due to personal guarantees secured over my own and only house, I felt like losing everything materialistic, I have made so far then in life. Then I started working with Julian who I found very understanding and professional and started negotiations with the creditors which took over about a year to conclude and have avoided bankruptcy and with a lot of savings to what compare of actual debt owed. I had a very positive impression of Julian in our first meeting.

Throughout this painful time Julian has been very professional and supportive, very responsive to all the communications and being honest to me about all the variant situations and probable options in due course.

Thanks for all the hard work and kindness sir!”

S.Z. – London

“James Rosa Associates were professional and helpful from start to finish. Their support and advice made a potentially daunting process very manageable. I thoroughly recommend them to those thinking about embarking on the bankruptcy process. I am now happily out the other side!”

T.D. – Cheshire

“I have been very happy with the service I received from Julian. He kept me up to date with information and was always quick to get back to me. I was overly pleased with the outcome of my situation that I would recommend anyone to Julian”

D.B. – Lincs

“I was introduced to Julian and the services of James Rosa Associates through my solicitors in 2018.

Julian helped me with the difficult financial situation I found myself in after the sad loss of my husband. He got on board pretty quickly, dealing with the creditors in a professional manner and achieving excellent results all round.

I was kept updated on progress on a regular basis and I am pleased to say the overall outcome achieved was much better than I could have hoped for.

I would recommend the services of James Rosa Associates.

Thank you again for your help.”

E.W. – London

“Julian Donnelly from James Rosa Associates handled a difficult situation with great skill and sensitivity which eventually led to a vastly better result than was expected.”

M.T. – Kent

“I was introduced to Julian at James Rosa when my company and ex business partner left me and my company in a complicated and precarious position, both from a business and personal situation.

From our first conversation Julian was always available, gave me constant support in both his advice and his professional assistance in dealing with multiple issues, and advising me on what other professions that I was dealing with can and cannot do. He constantly kept to his plan and agenda and completed everything on time and to the exacting standards in order for me to continue.

I think the difference with Julian is that he has experience of what we was going through and showed his empathy and dedication in providing me with the correct support when I needed it. He has since passed over more work that he could have taken with me, to pass me on to a specialist solicitor to continue one element of my case, and has still taken time to ensure I am getting the service I require from them.

Julian explained all the scenarios and outcomes and assisted me in taking the correct decisions, whilst being a calming and positive person to get me through what has been a complicated and mind-blowing situation. Anyone finding that they have business or personal financial issues should use Julian to get them through the minefield that is potentially in front of them.

I never wished to be made bankrupt, but Julian’s advice and assistance in all the paperwork has allowed me to continue with a positive attitude towards the future.”

A.B. – Manchester

“I have the privilege of being assigned Julian Donnelly via the Business Debt Line.

As a one man band, my business fell into significant arrears with HMRC due to erroneous advice over a number of years from a professional accounting firm. The debt is significant to force me as the company Director into insolvency.

Julian’s advice and sage like understanding borne from his own experience as well as his professional integrity was exactly what I needed; firstly to keep my sanity by being practical in explaining potential outcomes in a supportive manner, and secondly this enabled me to cope with all the potential issues that cause personal stresses and strains when participating in the insolvency process.

I would recommend Julian to any business owner that feels completely out of their depth when dealing with personal liability of large debt. His advice enabled me to see beyond the process and how to manage the outcome in a  very constructive way.”

M.O. – Bexley

“From our first contact with James Rosa Associates Ltd, we have found them driven, honest, ethical and very professional.

Communication is open and freely given throughout the whole process, they work with you from start to finish and in our case reduced our liability by almost 50%. Nothing is rushed but procedures are in place to bring the best results for their customers. We would highly recommend this company to you.

Personally I would like to say thank you to Julian Donnelly (you are my Ambassador of Quan !! – film Jerry Maguire)”

R.P. – Staffordshire

“Through some of the most difficult times in my life, I would like to thank Julian for being the voice of calm and logic which got me through to the other side after my company unfortunately became insolvent. This left me with some difficult personal guarantees to address with some substantial debts owing.

Julian acted professionally in dealing with my financial affairs. His knowledge of this industry is second to none, and with some brilliant negotiation, managed to negotiate a settlement of 60% less than what I owed.

Without a doubt, I would recommend Julian to anyone finding themselves unfortunate enough to be in a situation such as my own. once again Julian, thank you”

W.A. – Kent

“My accountant referred me to Julian Donnelly with regard to a large HMRC bill that had accumulated over a number of years. There were personal reasons why this situation had arisen and this was not helped by the potential threat of bankruptcy which only served to exacerbate the position. Julian took firm control and explained how this should be approached and I appointed him as my representative to deal direct with HMRC. The long and the short of it is that Julian was able to negotiate an incredibly attractive settlement figure which put me back on the straight and narrow thereby obviating any further action by HMRC. His advice and handling of the whole matter was outstanding and I have absolutely no hesitation whatsoever in recommending his services to anyone who is in financial trouble, for whatever reason. Julian obviously has to be paid for his services but as far as I’m concerned, it’s the best money I ever spent – 10 out of 10.”

M.B. – Kent

“During the whole period, from negotiating with creditors to my being declared bankrupt and afterwards, James Rosa Associates were concise and professional with their advice as well as empathetic to my situation. Their advice and support has been invaluable and I would highly recommend them to anyone unfortunate enough to find themselves in similar situations.”

C.P. – London

“I would like to thank you so much for all your efforts and assistance in this matter, and comment on how professional you are with handling financial matters. You have been a fantastic support and I wish you every success in the future.”

P.M. – Kent

“I would like to thank you for assisting with what became a rather complex matter . Your assistance and advice has been invaluable, I found you were able to provide great support when required. It was a bonus you had good legal support we could turn to when needed. I wouldn’t hesitate to recommend you to anyone in such an unfortunate situation as we found ourselves.”

J.P. – London

“I wish to thank Julian for his advice and kind assistance during the period he was trying to negotiate a settlement for me with the Inland Revenue. His support during this time was invaluable and of great comfort to me. Dealing with a large bureaucratic body such as the Revenue can be a daunting and stressful experience and the professional, courteous and empathetic way in which Julian helped me get through this – ultimately with a successful conclusion – is much appreciated. I would not hesitate in recommending Julian and his company James Rosa Associates to anyone needing help with their financial difficulties.”

A.S. – London

“Just a quick note to say a big thanks you for all you have done for me in the past 2 years. There was a time in the beginning, when I thought I was in an impossible situation and could not see a way out, causing me to feel extremely low and subsequently leading me to ill health.

Once I engaged your services you put me at ease, you were always available and most importantly, you kept to your word.

I would recommend your services without hesitation. A very big thank you.”

D.I. – Surrey

“We cannot thank Julian enough for all his professional help and support that he has given us over the past 18 months.  Julian’s knowledge and expertise has enabled us to finally agree on a settlement with our bank, which now means that we can look forward to a brighter, more secure future. After struggling with threats from the bank for 7 long years, the telephone call I made to Julian last year was the best decision that I could have ever made. We would highly recommend Julian and James Rosa Associates. Thank you very Much”

T.M. – Kent

“Julian at James Rosa Associates really took the pressure off me at a difficult time. My 2 colleagues and I were bound by Personal Guarantees regarding a Not-For Profit business that went into liquidation. The bank used divisive tactics writing letters to different people and seemingly singling me out for telephone “duties”. They would typically write just before Christmas demanding a reply within 14 days, but the letter would be dated 12 days earlier than the actual arrival date.i.e. 2 days to respond. Then call you on New Years Eve (I’m not making this up). Of course any question to them, would take weeks to get a reply back on. We’d find that randomly two of us would get the letter and the other one wouldn’t, the next time different. After a while you realized it was either incompetence on their part or much more likely a deliberate strategy.

Once we appointed Julian they couldn’t do that, as only having a single point of contact for the bank, that tactic was no longer an option. We noticed that he (Julian) knew exactly what documents they should have been able to supply and as soon as he started to request those, we seemed to drop to the back of their “hassle” queue. This gave us time (almost a year) to get our lives back on track secure new employment etc and get the money together for the eventual settlement, which thanks to Julian was for a reduced amount.

We are all 3 very satisfied with the service provided, at one point I thought I may personally have lost my house, but that never happened. My advice if you are ever in such a situation is seek professional help from James Rosa Associates immediately and let them take the pressure off.”

N.P. – Kent

“Julian at James Rosa Associates was such a help. My 2 colleagues and I were bound by Personal Guarantees regarding a Not-For Profit business that went into liquidation. The bank tried approaching us individually, using ‘divide and conquer’ and ‘good cop / bad cop’ methods. We called on Julian for help and he took the pressure off us, providing a single point of contact for the bank and presenting a united front from the 3 of us. Julian made sure he prompted the bank at regular intervals to avoid any blame falling back on us, although it was the bank that was non-responsive and slow.

Crucially, Julian was able to push on a technical point of law which the bank disputed. We would never have been able to do this, through lack of knowledge and lack of confidence. This, however, ultimately clinched a swift and very favourable settlement from the bank.

We are all 3 very satisfied with the service provided, although I really hope I will not have to call upon James Rosa’s services again! If I do, I will not hesitate to call them again.”

C.H. – London

“I can highly recommend James Rosa.  They are professional; efficient and cost effective.  If you are experiencing concerns over an outstanding Personal Guarantee these are the people you need to represent you.”

C.G. – London

“Your approach to a seemingly intractable problem that had been going for several years was calm and professional.  The expertise that you brought to the situation both from your personal experience and work you had done for other clients was invaluable – and not found elsewhere.  You held the creditor to account, challenged their lack of evidence to support their claim and escalated the issue when appropriate.  The result has been a manageable payment and a great relief, enabling me to begin to plan ahead after 7 year of tension.  Thank you very much.”

P.N. – London

“I cannot recommend Julian and the services of James Rosa enough to do him justice.  After a very unpleasant turn of events the business I had run successfully for 17 years went into administration.  As a result the bank called in my PGs on the facility we had in place, not a pleasant situation.  I had an introduction to Julian through my accountants and Julian really took it from there, dealing with the bank both professionally and firmly he resolved my debt at a % in the £ that both I and the bank were happy with and I avoided even more unpleasantries.”

R.T. – London

“Julian and his team were exceptional; knowledgeable, communicative, patient, confidence-inspiring and most of all provided the right advice for us. Without their assistance our world could easily have been quite different today. I would (and do) recommend them without hesitation.”

S.S. – London

“I was first introduced to James Rosa Associates though my solicitors. They had just won a landmark case on my behalf and I was having enormous difficulty dealing with creditors.

I entrusted professionals at James Rosa Associates with full authority to represent me in my financial affairs. They proved to be professional and settled every case very much to my satisfaction and financial benefit.

James Rosa Associates consultants were timely in responses to my questions and queries as matters were progressing, never failing to reply to every phone contact, email or text. Aside from responding to contact initiated by me, they courteously kept me updated on a regular basis, if for no other reason to re-assure me and let me know the level of progress and that any difficulties were in hand.

Their knowledge of financial matters proved to be excellent helping me navigate and understand my situation, as it stood, and presenting me with a range of possible remedies. Something other professionals singularly failed to do.

At all times, James Rosa staff were transparent, honest, and in my estimation, extremely diligent in dealing with what was a complex set of issues with an equally complex and diverse set of litigants, all of whom had proved utterly impossible for me to negotiate with over the previous eighteen months. I simply could not have resolved matters, which resulted in huge financial savings, without their knowledge and professionalism.

I would unreservedly recommend James Rosa Associates to any prospective client.”

G.M. – Essex

“I must write and thank you and your company for the comfort and support that you gave me after the failure of my business and my subsequent bankruptcy.

It helped so much with you contacting my creditors keeping them aware of my circumstance. When the only choice was bankruptcy helping me fill in all the forms for the Official Receiver and coming with me to all the meetings which really was a great help knowing you were there and you will be for the next 12 months for me. Thanks again.”

C.M. – Essex

“The team at James Rosa Associates were very knowledgeable and displayed an extraordinary level of customer service. With a positive outcome achieved in the fastest possible timeframe, I cannot recommend their services highly enough.”

T.B. – Essex

“I’ve had personal experience on dealing with James Rosa Associates and I must say that they have been very professional and very helpful. I was going through a hard time emotionally and financially and just needed someone to help me sort out the difficult situation that I was in and James Rosa Associates was there for me and help me go through it all the way.”

L.G. – London

“Julian Donnelly of James Rosa Associates Ltd provided excellent advice in managing my debit card deficits according to my means of repayment affordability. The whole process took nearly six years and I succeeded in getting a substantial discount to clear the debt”

H.W. – London

“Thank you so much for your support and care while my bankruptcy, you were always there for support and advice. I never felt alone because I knew you are a phone call away. I was struggling for over 7 years because of debts. You gave me courage and advice, showed me the right way.

I will definitely recommend your services to anybody I know who is in the same situation like me and suffering badly because of debts. You are a super star.

Thank you once again.

5 stars.”

S.R – Surrey

“It’s now two years since I engaged your services and I’m very grateful for your guidance along the way. After years of running a reasonably successful and lucrative business, I never expected to find myself in a position where I would have to declare bankruptcy. Once it became clear that it was the only option at the end of 2019, your help was invaluable. It would have been very difficult to plot a safe course through the application, interview, frozen bank accounts and the tricky matter of my beneficial equity. Then, later on, there was the issue f the IPA and the final negotiation with the Trustees over summer. I honestly don’t know where I would be without your help over the past couple of years.

I don’t plan to have to use your services again, but would certainly recommend that anyone in a similar position should contact you. You were reassuring throughout, but also realistic at critical points, with an uncanny sense for how things would turn out (predicting how much would be needed to buy my beneficial equity to the penny). I’m very grateful. Anyone who knows bankruptcy is looming should definitely seek your advice”

T.S – East Sussex

“From the beginning to the end, this process has been one of the hardest and most personally intrusive of my life so far.

Julian’s approach was nothing but sincere and professional throughout. When I needed advice and guidance, he was there to assist me through the maze of questions and queries that a normal personal just wouldn’t have a clue of navigating through.

He gave me options and choices that allowed me to personally choose my path through this horrible process and at no time did he pressure me to go for one way or another. He explained each paths pros and cons and also the government [Insolvency Service] predicted responses, not that I really had any communication at all from them.

Now that I have journeyed through my year of government assessment [as an undischarged bankrupt], Julian is helping me rebuild my life with advice on how to start getting back on the financial merry-go-round again.

When you read his testimonial on his website, to me that is exactly how he comes across in real life. It’s a 5* service from start to finish in a point in your life when that’s exactly what you need. I couldn’t recommend his services higher.”

L.E – Kent

“Julian Donnelly provided exert and thoughtful advice throughout my insolvency process. He was always available to discuss my concerns. Thanks to him the whole process was far less stressful and fraught than I anticipated.”

D.H – Sussex

“I was looking for help regarding my personal bankruptcy. I needed someone to guide me through the process so naturally I contacted a local firm of accountants.

They said they couldn’t help, however they recommended James Rosa Assoc. I contacted Julian and he understood my situation immediately.

My situation was unique involving overseas elements however it didn’t phase Julian at all. He understands not just the procedural issues but also the emotional side of going through bankruptcy. He cares about the impact of bankruptcy on family and made himself available for questions from my partner too.

His approach is friendly and professional at all times, no question is too small and he has always responded quickly to any question or worry I had, quickly put my mind at ease with his experience-based advice and practical help. When needed he was a formidable interface between third parties and myself.

It takes a lot of pressure off your mind knowing that Julian is always there to give advice or step in between you and any third party.

I felt protected throughout the whole process and I would recommend Julian’s service without any hesitation whatsoever”.

J.B – London

“I started working with Julian in September 2019.

I had been through an exceedingly difficult liquidation of a business I had started and run for 14 years.

Julian was recommended to me by the liquidation company to assist with personal guarantees on different accounts we held.

The first thing I noticed about Julian was his ability to calm a situation down with creditors, he is extremely professional but also has a side to him that understands the situation and the stress it puts on his clients.

Julian has had first-hand experience of debt and I think this is what makes him so understanding of the situation I was in.

Julian was able to hold off creditors for enough time for me to get some funds together to arrange settlement.

He is very quick with responses and looks at every angle to achieve a satisfactory outcome.

We had one exceedingly difficult national company that was horrendous in their behaviour, they would deny all manner of things even though we had emails and letters proving they were wrong.

Julian was able to communicate with them at a high level and the debt was settled 18 months later, the original debt was £84k and a settlement of £35k was agreed.

Working with julian was extremely easy, and he helped me with a raft of emotions that would surface at different times, the whole process of liquidation and personal guarantees is difficult, but Julian was always positive in his approach and ultimately helped me with the issues.

I would like to thank Julian for his professional approach and always being available to assist, even if it was an emotional fear that goes with these situations.”

L.T. – Suffolk

“In December 2018, my company was £300k+ in debt and with a number of personal guarantees to my name and CCJs and restrictions looming, I was suffering crippling anxiety and with a wife and three young children to support I didn’t know which way to turn.

Julian Donnelly helped me recognise that bankruptcy was my best option, and advised me through the entire process end-to-end. With his guidance I was able to achieve a settlement of £30k to the creditors whilst retaining my assets. It was without doubt a far better outcome than I could ever have hoped for and having Julian by my side was a vital step in making this possible.

Thank you Julian and his team at James Rosa Associates Ltd for guiding me through my bankruptcy journey, and making me realise there really is a light at the end of the tunnel!!”

J.L. – London

“At the beginning of 2018 my then company was struggling to carry on trading due to a customer withholding £95,000 for no reason apart from they decided they didn’t want to pay the money owed. Because of this, I tried to keep the company trading by getting myself personally in debt.

Also since 2015 I had been suffering from a mental breakdown due to pressures at home and work, which was not helping me to think straight towards any financial decisions within the company.

By December 2018 I had decided enough was enough and my then accountant introduced me to Julian (James Rosa Associates). I couldn’t believe that not only was I closing my company after 7 years but I was also having to get ready to make myself bankrupt, due to the large financial debt I had taken on to try and keep the company running.

Julian put my mind at ease and explained each step that we would have to take to start the bankruptcy and also what will happen during the bankruptcy.

If it wasn’t for Julian guiding me all the way through my bankruptcy, then I actually don’t know if I would be here today, due to have been suffering from a mental breakdown, having to close my company, declare myself bankrupt and then within a month of all this my then wife kicked me out of my family home. Julian’s guidance and he personally experience of bankruptcy had shown me that there was light at the end of the tunnel. 

I have now been discharged from my bankruptcy and the future is looking brighter than it has for years.

So I would like to say a massive THANK YOU to Julian and James Rosa Associates for the help during my own personal crises. 1-“

M.L. – Kent

“Dear Julian,

Please accept this letter in appreciation of all the care and effort spent by yourself in the matter of my Bankruptcy.

You have made a very difficult time for me a lot more comfortable than would have been the case.

I would recommend to any ne thinking of using your services to go ahead without any delay.

Once again all my thanks.”

B.T. – Margate

“Out of the blue I received a large claim from the Joint Liquidator in respect to an outstanding Directors Loan account obligation I had previously sought financial advice on via my accountant.

Having never been in this situation before I was completely out of my depth and had no idea of what action to take. I was stressed to the point of being in a state of panic.

Julian instantly provided clear and concise advice in parallel with a structured and rationalized plan of action to resolve the situation.

Julian was always contactable and managed the situation from start to finish – going above and beyond. I was extremely impressed with the end result and could not recommend him enough to anyone else who finds themselves in a similar situation.”

E.C. – London

“We had two personal guarantees to settle and came across James Rosa Associates online. We had a discussion with Julian and found him to be honest, direct and professional.

Julian helped us settling our debts with our lenders saved us a considerable amount of money, he was professional throughout the process and we would highly recommend him to anyone.”

J.K. – Buckinghamshire

“When I was drowning deep in debt, my advisor offered to introduce me to James Rosa Associates. My advisor said this company will care from you from cradle to grave! What an expression when you are nearly at the end of it all, but the truth was that Julian was the most professional and caring person you needed at a critical time.

Julian took care of each and every detail of my problem and helped me go into a year of quite enjoyment of complete silence – NO phone calls chasing me for payments – no emails – absolute peace. A whole year went by and every so often I would get a kind caring call from Julian to ask how I was. Indeed, music to ones ears. Thank you so much Julian. I would highly recommend you to anyone in debt.”

A.M. – London

“As a result of severe financial difficulties and after serious consideration, it was decided that the only realistic option was to file for bankruptcy. Being unsure of the formalities, Julian Donnelly was recommended as a consultant able to provide the necessary guidance through the bankruptcy process.

Julian was duly instructed in what proved to be a far more tortuous and complicated application than was envisaged at the commencement of proceedings. His expertise and advice proved to be invaluable when dealing with the Official Receiver both during the application process and following bankruptcy being ordered, through to discharge.

Throughout the bankruptcy, Julian acted in a friendly and considerate but always professional manner. One can never be entirely certain about the recommendations given, but in this case, any reservations were unwarranted. The recommendation and the subsequent decision to instruct James Rosa Associates proved to be instrumental in bringing the financial situation and bankruptcy to a satisfactory conclusion.”

D.T. – Surrey

“I have started my first ever business as a young entrepreneur made the mistakes in financial decision making, having no experience and guidance and on the top relentless and opportunistic franchise who has mis-sold big time and had their share with their own introduced brokers, unfolded with time.

I was in process of starting liquidation and thinking about bankruptcy when I was introduced to Julian by one of the top liquidators in city of London and to be honest have approached Julian in a half hearted approach, given the tough circumstances and the crumpling mindset I was in that time.

In short, I had 6 hostile creditors at my back due to personal guarantees secured over my own and only house, I felt like losing everything materialistic, I have made so far then in life. Then I started working with Julian who I found very understanding and professional and started negotiations with the creditors which took over about a year to conclude and have avoided bankruptcy and with a lot of savings to what compare of actual debt owed. I had a very positive impression of Julian in our first meeting.

Throughout this painful time Julian has been very professional and supportive, very responsive to all the communications and being honest to me about all the variant situations and probable options in due course.

Thanks for all the hard work and kindness sir!”

S.Z. – London

“James Rosa Associates were professional and helpful from start to finish. Their support and advice made a potentially daunting process very manageable. I thoroughly recommend them to those thinking about embarking on the bankruptcy process. I am now happily out the other side!”

T.D. – Cheshire

“I have been very happy with the service I received from Julian. He kept me up to date with information and was always quick to get back to me. I was overly pleased with the outcome of my situation that I would recommend anyone to Julian”

D.B. – Lincs

“I was introduced to Julian and the services of James Rosa Associates through my solicitors in 2018.

Julian helped me with the difficult financial situation I found myself in after the sad loss of my husband. He got on board pretty quickly, dealing with the creditors in a professional manner and achieving excellent results all round.

I was kept updated on progress on a regular basis and I am pleased to say the overall outcome achieved was much better than I could have hoped for.

I would recommend the services of James Rosa Associates.

Thank you again for your help.”

E.W. – London

“Julian Donnelly from James Rosa Associates handled a difficult situation with great skill and sensitivity which eventually led to a vastly better result than was expected.”

M.T. – Kent

“I was introduced to Julian at James Rosa when my company and ex business partner left me and my company in a complicated and precarious position, both from a business and personal situation.

From our first conversation Julian was always available, gave me constant support in both his advice and his professional assistance in dealing with multiple issues, and advising me on what other professions that I was dealing with can and cannot do. He constantly kept to his plan and agenda and completed everything on time and to the exacting standards in order for me to continue.

I think the difference with Julian is that he has experience of what we was going through and showed his empathy and dedication in providing me with the correct support when I needed it. He has since passed over more work that he could have taken with me, to pass me on to a specialist solicitor to continue one element of my case, and has still taken time to ensure I am getting the service I require from them.

Julian explained all the scenarios and outcomes and assisted me in taking the correct decisions, whilst being a calming and positive person to get me through what has been a complicated and mind-blowing situation. Anyone finding that they have business or personal financial issues should use Julian to get them through the minefield that is potentially in front of them.

I never wished to be made bankrupt, but Julian’s advice and assistance in all the paperwork has allowed me to continue with a positive attitude towards the future.”

A.B. – Manchester

“I have the privilege of being assigned Julian Donnelly via the Business Debt Line.

As a one man band, my business fell into significant arrears with HMRC due to erroneous advice over a number of years from a professional accounting firm. The debt is significant to force me as the company Director into insolvency.

Julian’s advice and sage like understanding borne from his own experience as well as his professional integrity was exactly what I needed; firstly to keep my sanity by being practical in explaining potential outcomes in a supportive manner, and secondly this enabled me to cope with all the potential issues that cause personal stresses and strains when participating in the insolvency process.

I would recommend Julian to any business owner that feels completely out of their depth when dealing with personal liability of large debt. His advice enabled me to see beyond the process and how to manage the outcome in a  very constructive way.”

M.O. – Bexley

“From our first contact with James Rosa Associates Ltd, we have found them driven, honest, ethical and very professional.

Communication is open and freely given throughout the whole process, they work with you from start to finish and in our case reduced our liability by almost 50%. Nothing is rushed but procedures are in place to bring the best results for their customers. We would highly recommend this company to you.

Personally I would like to say thank you to Julian Donnelly (you are my Ambassador of Quan !! – film Jerry Maguire)“

R.P. – Staffordshire

“Through some of the most difficult times in my life, I would like to thank Julian for being the voice of calm and logic which got me through to the other side after my company unfortunately became insolvent. This left me with some difficult personal guarantees to address with some substantial debts owing.

Julian acted professionally in dealing with my financial affairs. His knowledge of this industry is second to none, and with some brilliant negotiation, managed to negotiate a settlement of 60% less than what I owed.

Without a doubt, I would recommend Julian to anyone finding themselves unfortunate enough to be in a situation such as my own. once again Julian, thank you”

W.A. – Kent

“My accountant referred me to Julian Donnelly with regard to a large HMRC bill that had accumulated over a number of years. There were personal reasons why this situation had arisen and this was not helped by the potential threat of bankruptcy which only served to exacerbate the position. Julian took firm control and explained how this should be approached and I appointed him as my representative to deal direct with HMRC. The long and the short of it is that Julian was able to negotiate an incredibly attractive settlement figure which put me back on the straight and narrow thereby obviating any further action by HMRC. His advice and handling of the whole matter was outstanding and I have absolutely no hesitation whatsoever in recommending his services to anyone who is in financial trouble, for whatever reason. Julian obviously has to be paid for his services but as far as I’m concerned, it’s the best money I ever spent – 10 out of 10.”

M.B. – Kent

“During the whole period, from negotiating with creditors to my being declared bankrupt and afterwards, James Rosa Associates were concise and professional with their advice as well as empathetic to my situation. Their advice and support has been invaluable and I would highly recommend them to anyone unfortunate enough to find themselves in similar situations.”

C.P. – London

“I would like to thank you so much for all your efforts and assistance in this matter, and comment on how professional you are with handling financial matters. You have been a fantastic support and I wish you every success in the future.”

P.M. – Kent

“I would like to thank you for assisting with what became a rather complex matter . Your assistance and advice has been invaluable, I found you were able to provide great support when required. It was a bonus you had good legal support we could turn to when needed. I wouldn’t hesitate to recommend you to anyone in such an unfortunate situation as we found ourselves.”

J.P. – London

“I wish to thank Julian for his advice and kind assistance during the period he was trying to negotiate a settlement for me with the Inland Revenue. His support during this time was invaluable and of great comfort to me. Dealing with a large bureaucratic body such as the Revenue can be a daunting and stressful experience and the professional, courteous and empathetic way in which Julian helped me get through this – ultimately with a successful conclusion – is much appreciated. I would not hesitate in recommending Julian and his company James Rosa Associates to anyone needing help with their financial difficulties.”

A.S. – London

“Just a quick note to say a big thanks you for all you have done for me in the past 2 years. There was a time in the beginning, when I thought I was in an impossible situation and could not see a way out, causing me to feel extremely low and subsequently leading me to ill health.

Once I engaged your services you put me at ease, you were always available and most importantly, you kept to your word.

I would recommend your services without hesitation. A very big thank you.”

D.I. – Surrey

“We cannot thank Julian enough for all his professional help and support that he has given us over the past 18 months.  Julian’s knowledge and expertise has enabled us to finally agree on a settlement with our bank, which now means that we can look forward to a brighter, more secure future. After struggling with threats from the bank for 7 long years, the telephone call I made to Julian last year was the best decision that I could have ever made. We would highly recommend Julian and James Rosa Associates. Thank you very Much”

T.M. – Kent

“Julian at James Rosa Associates really took the pressure off me at a difficult time. My 2 colleagues and I were bound by Personal Guarantees regarding a Not-For Profit business that went into liquidation. The bank used divisive tactics writing letters to different people and seemingly singling me out for telephone “duties”. They would typically write just before Christmas demanding a reply within 14 days, but the letter would be dated 12 days earlier than the actual arrival date.i.e. 2 days to respond. Then call you on New Years Eve (I’m not making this up). Of course any question to them, would take weeks to get a reply back on. We’d find that randomly two of us would get the letter and the other one wouldn’t, the next time different. After a while you realized it was either incompetence on their part or much more likely a deliberate strategy.

Once we appointed Julian they couldn’t do that, as only having a single point of contact for the bank, that tactic was no longer an option. We noticed that he (Julian) knew exactly what documents they should have been able to supply and as soon as he started to request those, we seemed to drop to the back of their “hassle” queue. This gave us time (almost a year) to get our lives back on track secure new employment etc and get the money together for the eventual settlement, which thanks to Julian was for a reduced amount.

We are all 3 very satisfied with the service provided, at one point I thought I may personally have lost my house, but that never happened. My advice if you are ever in such a situation is seek professional help from James Rosa Associates immediately and let them take the pressure off.”

N.P. – Kent

“Julian at James Rosa Associates was such a help. My 2 colleagues and I were bound by Personal Guarantees regarding a Not-For Profit business that went into liquidation. The bank tried approaching us individually, using ‘divide and conquer’ and ‘good cop / bad cop’ methods. We called on Julian for help and he took the pressure off us, providing a single point of contact for the bank and presenting a united front from the 3 of us. Julian made sure he prompted the bank at regular intervals to avoid any blame falling back on us, although it was the bank that was non-responsive and slow.

Crucially, Julian was able to push on a technical point of law which the bank disputed. We would never have been able to do this, through lack of knowledge and lack of confidence. This, however, ultimately clinched a swift and very favourable settlement from the bank.

We are all 3 very satisfied with the service provided, although I really hope I will not have to call upon James Rosa’s services again! If I do, I will not hesitate to call them again.”

C.H. – London

“I can highly recommend James Rosa.  They are professional; efficient and cost effective.  If you are experiencing concerns over an outstanding Personal Guarantee these are the people you need to represent you.”

C.G. – London

“Your approach to a seemingly intractable problem that had been going for several years was calm and professional.  The expertise that you brought to the situation both from your personal experience and work you had done for other clients was invaluable – and not found elsewhere.  You held the creditor to account, challenged their lack of evidence to support their claim and escalated the issue when appropriate.  The result has been a manageable payment and a great relief, enabling me to begin to plan ahead after 7 year of tension.  Thank you very much.”

P.N. – London

“I cannot recommend Julian and the services of James Rosa enough to do him justice.  After a very unpleasant turn of events the business I had run successfully for 17 years went into administration.  As a result the bank called in my PGs on the facility we had in place, not a pleasant situation.  I had an introduction to Julian through my accountants and Julian really took it from there, dealing with the bank both professionally and firmly he resolved my debt at a % in the £ that both I and the bank were happy with and I avoided even more unpleasantries.”

R.T. – London

“Julian and his team were exceptional; knowledgeable, communicative, patient, confidence-inspiring and most of all provided the right advice for us. Without their assistance our world could easily have been quite different today. I would (and do) recommend them without hesitation.”

S.S. – London

“I was first introduced to James Rosa Associates though my solicitors. They had just won a landmark case on my behalf and I was having enormous difficulty dealing with creditors.

I entrusted professionals at James Rosa Associates with full authority to represent me in my financial affairs. They proved to be professional and settled every case very much to my satisfaction and financial benefit.

James Rosa Associates consultants were timely in responses to my questions and queries as matters were progressing, never failing to reply to every phone contact, email or text. Aside from responding to contact initiated by me, they courteously kept me updated on a regular basis, if for no other reason to re-assure me and let me know the level of progress and that any difficulties were in hand.

Their knowledge of financial matters proved to be excellent helping me navigate and understand my situation, as it stood, and presenting me with a range of possible remedies. Something other professionals singularly failed to do.

At all times, James Rosa staff were transparent, honest, and in my estimation, extremely diligent in dealing with what was a complex set of issues with an equally complex and diverse set of litigants, all of whom had proved utterly impossible for me to negotiate with over the previous eighteen months. I simply could not have resolved matters, which resulted in huge financial savings, without their knowledge and professionalism.

I would unreservedly recommend James Rosa Associates to any prospective client.”

G.M. – Essex

“I must write and thank you and your company for the comfort and support that you gave me after the failure of my business and my subsequent bankruptcy.

It helped so much with you contacting my creditors keeping them aware of my circumstance. When the only choice was bankruptcy helping me fill in all the forms for the Official Receiver and coming with me to all the meetings which really was a great help knowing you were there and you will be for the next 12 months for me. Thanks again.”

C.M. – Essex

“The team at James Rosa Associates were very knowledgeable and displayed an extraordinary level of customer service. With a positive outcome achieved in the fastest possible timeframe, I cannot recommend their services highly enough.”

T.B. – Essex

“I’ve had personal experience on dealing with James Rosa Associates and I must say that they have been very professional and very helpful. I was going through a hard time emotionally and financially and just needed someone to help me sort out the difficult situation that I was in and James Rosa Associates was there for me and help me go through it all the way.”

L.G. – London

“Julian Donnelly of James Rosa Associates Ltd provided excellent advice in managing my debit card deficits according to my means of repayment affordability. The whole process took nearly six years and I succeeded in getting a substantial discount to clear the debt”

H.W. – London