Debt
Most of us owe money to people or organisations - bills are a fact of life. Occasionally we find ourselves swamped and even when we have tried to increase income or make money go further there is still not enough to make ends meet.
Don’t ignore the problem: it won’t go away and the longer you leave it the worse it will become. If you are behind with payments to a creditor they have the legal power to try to recover there money. What they can do depends on the type of debt. In the worst case you may lose your home or even go to prison.