About The Author

My name is J Taylor-McPherson and my background is as follows trained as a Legal Executive, worked as Judges Clerk in the Civil Courts and represented a Local authority as a Legal Assistant in both Civil litigation and Children Act 1989 proceedings in addition I have worked as a Housing adviser specialising in advising members of the public on their housing rights and homelessness law. I have recently completed my studies at Staffordshire University and was awarded a Certificate of Credit following an approved programme of study in Money Advice Practice on the 19th June 2017. My passion has always been advice work and I have always supported friends and family in legal matters, as a result of  friends suggestion I decided to blog in the hope it would help others who were experiencing debt as well as trying to get others to have a better understanding of debt so here goes.

If you have any comments please let me know, as this is work in progress! it you would rather not use this open forum you can email me at: debt2day32morrow@gmail.com


Many people assume that if someone is in debt that debt is the problem but this is not true. The debt is the by product of another event , it’s normally the symptom of a greater underlying issue.

If the focus is on the debt itself then the issues that led to the debt can often ignored and therefore go untreated.

Here are two examples:


If someone loses there job the loss of income may lead to debt . The debt is the symptom created by the loss of the income. It is the loss of employment  that is the real problem and that requires primary treatment. The debt is a secondary problem until that is addressed.


By addiction  I am referring to problems like gambling, drug use, compulsive shopping, the debt is created because of the persons continued addiction whether it be gambling or drug use. if we focus on the debt alone this does not stop the person from continuing the addictive behaviour

If we focus only on the debt and not the underlying issue  the debt is likely to continue so you have an idea of the current debt situation in the UK please see below:

UK Personal Debt. People in the UK owed £1.562 trillion at the end of October 2017. This is up from £1.504 trillion at the end of October 2016 – an extra £1,106.13 per UK adult. The average total debt per household – including mortgages – was £57,432 in October.


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