In Britain today the average debt is £15,000 and for some people can be as much as £150,000. 1 in 5 people are experiencing debt and the immense stress and burden that people feel not only affects their families and relationships but also in some cases causes illness.

Often with debt problems people can make the mistake of trying to borrow their way out of debt, this creates a vicious circle which can only make matters worse as payments become increasingly difficult to make. As the arrears steadily grow people find themselves spending more time dealing with irate creditors.