There are many courses of action that a creditor or lender can take to recover a debt. All of them are regulated by Laws that govern what a creditor can and cannot do. Remember that it is always better to talk to your lenders and try to come to an agreement before they start to take action against you.
The following sections contain further detail about debt and the law.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.