Here are some places and publications that either in:specie™ or our founder, Debt Advice Bureau director Stephen Rose, have been featured.

2008-04-19 – Telegraph.co.uk: 400 go bust every day as debt hits home

Stephen Rose, director of the Debt Advice Bureau, said more people could be pushed over the brink this year in the face of increased household costs and real price inflation.

2007-02-02 – 24dash.com: UK ‘debt crisis’ worsens as 100,000 go bust

Stephen Rose, director of Debt Advice Bureau said many more people could be pushed over the brink this year in the face of increased household costs and real price inflation.

He added: “The insolvency trend is continuing ever upwards. It underscores the over-indebtedness of many households and the difficulty they have in keeping up with rising repayments.”

2007-01-02 – business.scotsman.com: The issues that will be everybody’s business this year

Stephen Rose, director of Debt Advice Bureau, said:

“The simple fact is the amount people are spending and borrowing is growing faster than their incomes – it is a simple mathematical equation.

“People will still continue to overspend. County Court Judgements will continue to rise, bankruptcies and IVAs will continue to rise, repossessions will continue to rise.

“We will still have increasing number of people in debt even if nothing nasty happens. If something nasty does happen, all bets are off.”

Which also appeared in:

2006-12-22 – 24dash.com: Concern as UK debt crisis ’spirals out of control’

Stephen Rose, director of Debt Advice Bureau, said the high level of consumer debt in 2006 was a result of a combination of factors, including easier access to credit, but the main factor was overspending by consumers.

He added: “The simple fact is the amount people are spending and borrowing is growing faster than their incomes – it is a simple mathematical equation.

“People will still continue to overspend. County Court Judgements will continue to rise, bankruptcies and IVAs will continue to rise, repossessions will continue to rise. We will still have increasing number of people in debt even if nothing nasty happens.

“If something nasty does happen, all bets are off.”

A housing crash, a flurry of interest rate rises or an economic slump could spark a deepening of the crisis.

2004-06-20 – guardian.co.uk: Ten easy ways to keep the lender from your door

6. Recent or highly geared borrowers under financial pressure should renegotiate to reduce monthly payments for a while if interest rates rise, suggests Stephen Rose, debt counsellor for the Debt Advice Bureau, an independent not-for-profit organisation. But Rose urges borrowers not to take out any loans to cover a repayment shortfall or arrears. ‘The interest rate is bound to be higher than your mortgage and, as time passes, you’ll find yourself getting into more debt.’

8. Anyone who has taken secured loans against their property to pay for a holiday or car, for example, should ensure they protect the roof above their head at all costs. Secured home loans – which take your property as security against you defaulting – are particularly dangerous says debt adviser Stephen Rose.

2004-03-15 – thisismoney.co.uk: Bankruptcy still the last resort

Stephen Rose at the Debt Advice Bureau agrees that bankruptcy should be a last resort. ‘For those who have a reasonable credit rating and who need to reduce their payments, negotiating with creditors can work,’ he says.