Acknowledgements
The production of this thirteenth edition has been made possible by a number of other authors who have contributed their specialist expertise.
Katherine Rock from the Money Advice Trust has updated the chapter on business debts, Lynsey Dalton from CPAG has updated the chapter on maximising income, David Malcolm from the NUS has updated the chapter on student debts and John Kruse has revised the bailiffs chapter.
I would also like to acknowledge the efforts of the authors of previous editions of this book, most notably Mike Wolfe.
Thank you to my former colleagues at Citizens Advice Specialist Support, Marina Gallagher, Lorraine Charlton and Joe McShane, and also Debra Jones of Citizens Advice Cardiff and Vale for checking and making useful comments on the text.
Thanks are also due to Mark Brough, Mark Willis and Keith Houghton for their valuable contributions. Many thanks to Shelter’s Specialist Debt Advice Service for its valuable feedback.
I am most grateful to Pauline Phillips and Nicola Johnston for producing this edition. Thanks also to Anne Ketley for producing the index, and to Pauline Phillips and Kathleen Armstrong for proofreading the text.
Peter Madge
The law covered in this book was correct on 31 January 2020 and includes regulations laid up to this date.