I AM the founder of the Bankruptcy Association, an independent organisation that I founded during 1983 to help people suffering from financial problems. Since then we have helped over 20,000 people through debt and bankruptcy difficulties.

We have just published our latest guidance booklet entitled How to Settle Debts with Creditors. This is the third popular guidance booklet for people with debt problems that I have written during the past 18 years. It is actually quite a tricky proposition, because each individual has his or her own set of particular problems and priorities to deal with.

In this latest publication I have reflected on the many thousands of debt cases I have dealt with in the past and come up with a simple, pragmatic plan for anyone with debt problems to deal with any type or any number of creditors. The plan works in practice this is what matters.

Members of our association are applying the system successfully on a daily basis and many have avoided bankruptcy as a consequence. I think this new booklet would be of great interest and help to many of your readers. The guidance offered can be applied usefully by anyone with debt problems, be they large or small.

The booklet is available for £9.95 (post free) from: The Bankruptcy Association, FREEPOST, 4 Johnson Close, Lancaster LA1 1BR. Details about membership of our association and a list of our other publications can also be obtained by writing in or by telephoning 01524 64305 between 10am and 5pm any weekday.

John McQueen

Founder

Bankruptcy Association

Johnson Close

Lancaster