Mounting financial problems are stressful and not unusual nowadays and knowing where to seek help is vital.

If you are a private individual, a company owner or director struggling with unmanageable debt or in a civil or commercial dispute, then James Rosa Associates based at The Old Rectory in Northfleet can help.

The company could be described as a financial trouble shooter dealing with a broad range of clients, working on processes tailored to their needs to resolve specific problems such as bankruptcy, negotiated settlements and anything requiring an experienced hand.

Coming from banking backgrounds, the partners formed the business seven years ago and founder Julian Donnelly has actually gone through personal bankruptcy himself following a relationship breakdown.

Mr Donnelly is very open about his experience as testified in his story at jamesrosa.co.uk/bankruptcy-my- story/ and this really helps when dealing with individuals going through financial difficulty.

He said: “Knowing the law and the procedures is one thing, but actually living through the experience is something completely different."

As a result of this, he has developed a reputation for being a ‘safe pair of hands’ to those most vulnerable and does get referred clients who have gone as far as having attempted suicide as a result of their financial difficulties.

Mr Donnelly went on to say: “When bills go unpaid quite often it’s the human cost that gets ignored as those involved tend to look at numbers on a spreadsheet rather than the lives that are being affected.

“We routinely give a lot of free advice, pro-bono, to those who do not fit the criteria to become clients and our mantra is always that if we cannot help, we will always signpost to those who can.”