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Thursday, 11th March 2010
Welcome to the DebtWizard Forum, from Mike Thomas.
As head and founder of debtwizard.com, the consumer debt-help website, I have always championed the right of the consumer to receive the right advice about their debt problems, whether a fee is being charged or not. However, in over 20 years of helping thousands of consumers to resolve their debt issues I have encountered so many cases where they had received bad advice from debt advice firms, which then had serious adverse affects on their livelihoods, relationships and health.
It is evident that some debt advice firms prey on the desperate and vulnerable, resulting in thousands of consumers being put into Individual Voluntary Arrangements (IVAs) or debt management plans when there are far more viable options open to them. To help address this problem, as part of the development of debtwizard.com, I have decided to launch a free debt help forum in which individuals can raise issues troubling them and receive good, professional advice, appropriate to their circumstances.
To ensure this forum becomes a leading voice in consumer debt help I have hand picked a panel of experts to represent DebtWizard, whom I regard as the best in the fields of insolvency, debt management and general debt advice to deal with your problems. If you have a debt issue then we can help you; if you post something we can’t deal with we will find someone that can.
We only launched on the 10th March 2010 but we will build into a force to be reckoned with and over the coming years the forum will grow in membership and in categories of advice. As of 11 October 2013, we hit two million page reads, by March 2014 it was three million and four million on the 3rd August 2014.
So if you need pointing in the right direction, are not sure if an IVA, bankruptcy or debt management plan is right for you, then all you have to do is post your question, fears, concerns and we will do our very best to help you. If you have had an experience which you feel may help others on this forum, for example you have entered into an IVA or gone bankrupt or even proposed a debt management plan and you wish to share this, then post it and let us all know about it!
Mike Thomas, aka DebtWizard,
Here to help, not to judge. No sponsors and no hidden agenda.
James Jones is Head of Consumer Affairs at data company Experian, which is best known for running the UK's largest credit reference agency. James's role includes co-ordinating Experian's public education work and representing the company on consumer-related issues to a wide range of external stakeholders, including the media, banks and lenders, consumer groups and debt advice organisations.
James appears regularly in traditional and social media (@AskJames on Twitter) giving people helpful advice on credit reports, credit ratings and fraud, and debunking the many credit-rating myths.
Before moving into Experian's Consumer Affairs department in 2000, James held several other positions at the company, including a six-year stint in Experian's customer contact centre where he set up and ran the firm's first telephone help desk for the public.
Marie was left in debt by her ex-husband...dealt with creditors herself for 2 years then went on to set up a Debt Management Plan (DMP) but found that she then had to live to be 143 to pay his debts off!
Came to DebtWizard in a very bad way emotionally and financially and with Mike's help was guided through the Bankruptcy process. Having survived bankruptcy and managed to keep her house, she now helps people going through the debt solution process, giving advice and support from a position of experience, she knows how stressful debt can be.
Find what you're looking for in the DebtWizard forum.