Debt Arrangement Scheme

Financial debt occurs when money is owed to one or more creditors. Although a certain amount of debt can be manageable, and even a part of financial strategy, it can escalate (for example through growing interest) and the debtor can quickly lose control and soon owe more than they are capable of paying back. Debt can be a massive burden as creditors can take legal action to recover what they are owed if payments are not made on time, and this can result in bankruptcy.

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