Personal bankruptcy is set to storm back into prominence over the next couple of months, as a result of a number of financial aspects.
The credit crunch which has seen providers become far more strict in the consumers they're willing to lend to, means people in debt are finding it harder to find solutions.
Coupled with the excessive spending that always comes with the Christmas period, many are expected to be on the edge of serious financial trouble in the ney year.
Recent figures have shown personal bankruptcy to be down in 2007, but many experts have since quashed these figures stating they don't paint an accurate picture.