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Debt

Know when it is time to quit

“You’ve got to know when to hold ‘em, know when to fold ‘em, know when to walk away. And know when to run...” These immortal words contained within...

Conversation is the antidote to conflict

My career has been built out of the existence of conflict, My advisory business, NJK Advisory, trains business owners on how to get rid of grey areas...

Buy now, cry later

We all want to have nice things, which is why we work hard and save up for them. However, for those who are light on cash but...

Why debt collection is often a waste of time

Over the past 15 years I have loaded thousands of debts for collection and one thing that has always rung true is that those that will pay...

Relationships and other complications

Jon Richardson, a famous UK comedian, once said “all relationships end, either one of you leaves or one of you dies” and that is true in business...

Enabling can be disabling

After nearly 15 years in credit management and almost six in the repossession industry I have noticed a few trends. One of these is that people will...

I know you don’t owe any money but you are still losing your car

In 2019 I wrote an article in this publication titled “The dangers of the social media car yard”. It would appear that the point should be made...

To guarantee credit or not 

Without doubt, one of the most contentious and litigated issues in credit management these days is the practice of obtaining and providing personal guarantees. We have just seen...

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