Gambling and Being in Debt

blackjack hand

As Kenny Rogers once sang, “You’ve got to know when to hold ’emKnow when to fold ’em”. Another saying in gambling you always need to keep in mind is “the house always wins”. So why do people gamble? For some it is entertainment, it is fun to play some of the games. For others it […]

What Can I Do To Get out of Debt?

stressed person

Question Hi Jon, I need some advice on how to get out of the debt I am in. I owe £35,000 due to my business failing, and another £10,000 in personal debts. I am the Director of the company and guaranteed all the business loans. I am back trading, but not at the level I […]

6 Warning Signs of Impending Debt Problems

warning sign

A lot has happened in the past 18 months! We are having a pandemic, the economy has been virtually shut down, travel was very limited, and we could not spend time with family and friends. However, things are changing and getting back to the new normal. As we get out more and shops and stores […]

What Happens At The End Of My IVA?

woman with outstretched arms

Question Hi, and thanks for taking my question. I began an IVA almost 5 years ago and have been making payments each month. The IVA was modified a couple of times as my income changed, but I have never missed a payment. What happens at the end of the 5 years? Do my debts magically […]

I Am in Poor Health and Have Debt, What Can I Do?

stethoscope and medical records

Question I have debts totally around £15,000 and no way to repay them. I cannot work due to poor health and am now only receiving benefits. I do not own any property, and can barely afford to live on what I receive. I need to be done with these debts. What can I do? Desperate […]

What is a County Court Judgment or CCJ and What Happens If I Have One?

judge banging a gavel

One of the tools to collect a debt in the arsenal of creditor’s collection efforts is a CCJ or County Court Judgment. When a creditor decides to go to the courts and get a CCJ, in some instances, not all instances, they may have exhausted all the other efforts they may have tried. It may […]

Will Having a CCJ Affect Getting UK Citizenship?

British flag colours

Question I am living in the UK under a ILR and am now seeking Citizenship. In completing the application to become a UK Citizen there are questions related to good character. I have lived in the UK for over 10 years, and have found myself in debt, and I have a CCJ, and also I […]