Denis Nelthorpe is an esteemed consumer advocate and mentor for consumer lawyers and advocates. His dedication to defending the vulnerable in our community and driving positive change in the financial services sector spans over 40 years. During our insightful discussion, we delved into the challenges faced by individuals in debt and shattered the misconception that all clients have the means to repay. Denis emphasized the significance of assessing each person's circumstances and stability in payment arrangements. Together, we explored the benefits of closing certain debt cases and adopting a waiver approach, which gained acceptance among industry stakeholders and financial counselors. By categorizing individuals based on their ability to pay or manage structured repayments, we can shift from pursuing bankruptcy to seeking waivers, ultimately helping more people in need. We also dove into the realm of media appearances and the art of engaging with the public. Denis shared two memorable TV moments, highlighting the importance of being knowledgeable and explaining complex matters in a simple manner. But it doesn't stop there! Building relationships plays a pivotal role in effecting change. Denis emphasized the value of identifying genuine partners who are willing to engage in productive dialogue, setting them apart from those who merely talk without action. Being part of boards provides unique opportunities to assess individuals' effectiveness in achieving results. Together, we can make a difference by collaborating with influential individuals who have the power to create meaningful change. Join me in celebrating Denis Nelthorpe's incredible contributions to consumer advocacy and his unwavering dedication to making a positive impact. You can also find shownotes at www.lorettakreet.com #ConsumerAdvocacy #PositiveChange #LunchingwithLawyers #Podcast #Engagement #Collaboration #FinancialServices #denisnelthorpe #legal