James Rosa Associates Limited

Breaking the balance: How modern living is fuelling British consumer debt

Breaking the balance: How modern living is fuelling British consumer debt | James Rosa Associates By Mr Bankruptcy 1st June 2026 There was a time when going into debt was a last resort. It was a serious decision for major milestones in life, like buyi...

When minimum payments aren’t enough: a roadmap out of unmanageable debt

When minimum payments aren’t enough: a roadmap out of unmanageable debt | James Rosa Associates By Mr Bankruptcy 30th April 2026 If you’re making minimum payments on your credit cards or loans, but the balances never seem to drop, you’re not alo...

Four red flags that you may be talking to a debt relief scam

Four red flags that you may be talking to a debt relief scam | James Rosa Associates By Mr Bankruptcy 23rd April 2026 If you’re struggling with debt, the last thing you need is for someone to make your problem worse. Unfortunately, scam...

Negotiating with your creditors: A step-by-step guide





Negotiating with your creditors: A step-by-step guide | James Rosa Associates By Mr Bankruptcy 30th March 2026 Negotiating with creditors can be daunting, but it’s also crucial tool in the process to regain control of a debt ...

When customers delay payment: The hidden cost to businesses and what you can do about it

When customers delay payment: The hidden cost to businesses and what you can do about it | James Rosa Associates By Mr Bankruptcy 18th March 2026 Late or refused payments are an increasingly common challenge for UK businesses, placing unnecessary pressure on cash fl...

A perfect storm? sole traders face rising debt pressure as MTD approaches

A perfect storm? sole traders face rising debt pressure as MTD approaches | James Rosa Associates By Mr Bankruptcy 3rd March 2026 Self-employed sole traders are grappling with growing financial and administrative pressures. Rising debt levels are coin...

UK business debt relief: options for saving your company

UK business debt relief: options for saving your company | James Rosa Associates By Mr Bankruptcy 18th February 2026 Britain’s small and medium sized business owners and managers are the lifeblood of the national economy. But in ord...

How rising interest rates affect your debt

How rising interest rates affect your debt | James Rosa Associates By Mr Bankruptcy 4th February 2026 Rising interest rates are a concern for anyone with debt in the UK, particularly if that debt is growing unmanageable....

Things may be getting a bit better for debtors in 2026

Things may be getting a bit better for debtors in 2026 | James Rosa Associates By Mr Bankruptcy 8th January 2026 The narrative around debt for the past year has all been doom and gloom; a cost-of-living crisis, rising interest rates...

The importance – and the benefits – of paying off debt

The importance – and the benefits – of paying off debt | James Rosa Associates By Mr Bankruptcy 3rd December 2025 Debt can feel like an anchor, slowing down your financial progress and limiting your choices. Interest payments eat in...