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Harassment of people in debt by creditors or their agents is a criminal offence under the Administration of Justice Act 1970.
For a great many of us the money runs out before the month does and then the temptation to use our credit cards to pay the bills kicks in.
If you fail to pay a creditor and don’t reply to their reminders there are several things that they can do.
According to a recent statement from the Citizens Advice Bureau, it could take 77 years on average for people asking for help with debt to get back into the black.
Britain's personal debt is increasing by £1 million every four minutes.