0I FOUNDED the Bankruptcy Association well over a decade ago after my eldest brother fell into bankruptcy. Since then, our Association has advised tens of thousands of people with their bankruptcy problems.

The condition of the people of the United Kingdom is infinitely worse today than when I started the Association.

Millions of people have negative equity, tens of thousands of businesses will fail during 1996, and thousands of students will leave university saddled with debts. In addition, the beef industry is set to be decimated en masse due to the meat scare.

Membership of our Association costs just £15 for a full year. In addition, I have just written and published my latest book, 'Bankruptcy Explained,' a layman's guide to bankruptcy laws available (post free) for its published price of £7.95.

Copies of this book and further details of our Association can be obtained by writing to our freepost address: The Bankruptcy Association, FREEPOST, 4 Johnson Close, Lancaster, LA1 1BR. Our telephone inquiry line number if 01482 658701.

JOHN McQUEEN, The Bankruptcy Association, 4 Johns on Close, Abraham Heights, Lancaster LA1 5EU.

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