Guest blogger Emma Bryn-Jones, from consumer cooperative Zero Credit, questions whether debt management is social.

Ignorance is bliss or is it? Can we safely say that what you don’t know cannot hurt you? When we eat a duff meal or employ a rogue builder, are we any safer for not knowing that the products and services are dud? No! We depend on an array of recommendations, quality and standards labelling to help us. The same is true of credit.

In a country where average household debt is approaching £60,000 compared to an income of less than £30,000, we have a collective responsibility to manage a change in circumstances. Som

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When I first got engaged, I was completely cool and collected and budget-savvy about wedding flowers. After all, why pay a load of cash for something that will look pretty for a few hours before drying and browning as flowers are wont to do?

Perhaps I was a touch over-confident. While scrolling through some wedding websites today, I happened upon pictures of pink peonies. Just look at this beautiful bouquet (via The Knot).

All of a sudden, I went from “don’t care about flowers” to “must have peonies – fields of peonies.” Lush, romantic, and fragrant, the peony is an important flower in my country of origin. We are not incorporating any of my heritage into the wedding (no tea ceremony, for example), so peonies would be a nice touch, even if no one else sees anything but pretty blooms. Everything

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There are many people who suffer from negative credit marks due to one or other reasons. And what to do if you need to get money fast in certain circumstances? Often you haven’t time to improve your credit score. One of the most common reasons for the bad tags on credit history is due to non-repayment of a loan on time. Earlier these people have a difficulty getting approved for the loan. But now, thanks to the booming growth in the financial industry, the greatest financial option of unsecured and secured personal loans was introduced.

With the help of these loans people with tarnished credit score can be quickly approved for the loan in hard times with no restrictions. T Read more…

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The IRS Office of Professional Responsibility (OPR) alleged that Joseph Kozelsky did not file timely tax returns for 2001 through 2007 and did not timely pay his federal tax liability. As a result of his tax problems he was disbarred from practice before the Internal Revenue Service. Mr. Kozelsky didn’t help himself very much, since he failed to respond to the IRS’s complaint within 30 days. As a result the facts alleged by the IRS were deemed admitted, and the administrative law judge (“ALJ”) issued an order that Mr. Kozelsky engaged in disreputable conduct and should be disbarred.

The IRS publishes rules for professionals practicing before the IRS, and those rules are set forth in Circular 230. We have previously published an article on the procedures involved in an OPR disciplinary matter. Circular 230 includes rules for individuals preparing tax returns, providing tax advice, and representing individuals before the IRS.

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