Let me explain why. I met someone recently who told me they cried on the phone to their mother with shame because they were having to see a debt adviser. Please don’t. When my car breaks down – and it’s nearly 15 years old now so it has ‘issues’ –…

One minute, everything’s fine; you have a successful business, a wife, a child, a happy life. Your future looks secure. Then something happens that turns everything upside down. Russia launches an invasion of your homeland, your wife and child leave for the safety of the UK and you don’t see…

Last November, I attended the Insolvency Practitioners’ Association Annual Personal Insolvency Conference to take part in a panel discussion about Individual Voluntary Arrangements (IVAs). …

One minute, everything’s fine; you have a job, a girlfriend, a social life, and plans. Everyone knows you’re a good bloke, you work hard and you enjoy the craic. You had a difficult few years a while back; a relationship broke down, you were even temporarily homeless for a short…

by Ames Taylor They fuck you up the Tories do By thought and deed, in time and space They do it in expensive shoes With a tatty red briefcase They fuck you up without a care They have no sense of what it’s like To be so broke and feel…

Following my blog in August about Freeze Debt, I had a long conversation with the owner of the company, Harjit Moore, which left me with a lot to think about. …

If you happen to be in the unfortunate position of being too sick to work, you may have recoiled in horror over the last couple of days at the alarmist, scaremongering, anxiety-attack-inducing headlines gracing our right-wing media’s front pages. …

Another sponsored advert offering to help you ‘say good bye [sic] to debt’ on Instagram. I’ve had enough. Freeze Debt. It’s marketed as a debt advice ‘app’. It doesn’t mention 87.2.9% write-offs or quote ‘little-known-about-government-debt-solution’ word risottos. But it does posit itself as a digital, easy-access gateway to multiple debt…

Debt advisers, do you recognise this scenario? Client walks in to your first meeting with a laptop, sets it down and proceeds to tell you exactly how much debt they have, exactly how much disposable income they have, the names of each and every one of their 24 creditors, up…