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It can be frighteningly easy to get into debt, as many millions of people have found to their cost over the last few years. Easy access to cheap credit over the last decade or so, along with a generational shift in attitudes to borrowing, has left huge numbers of people struggling to get by and keep their debt repayments on track. Of course, the unhappy fact is that for some people their debt problems are simply too pressing and no solution can be realisti... Read more