Debt relief orders are due in April this year for people who have very low income and debts they cannot reduce or discharge. The goverment has targeted this sector of the population because there is a significant number of people drowning in debt who have no other channels of debt relief to explore.

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It seems nothing will stop people from borrowing, not even bankruptcy. It's not more credit that is required, it's a new mindset. Bankruptcy loans are a worrying concept but growing in popularity