Case studies

Here are some examples of people who have benefited from the Consumer Credit Counselling Service’s advice. Although the situations described are real, the names have been changed to protect identities.

• Confront your debts

  Jack and Kerry are an unmarried home-owning couple in their early 30s from Swansea, who began to struggle with debts when Jack lost his job as a factory manager. Kerry still works as a manager at a travel agent, but nonetheless their monthly income has taken a sharp fall. They now take home around £2,000, including benefits for unemployment.

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• Don't struggle alone

  Claire is single parent, living with her two young sons in a rented house in Cardiff. She was made redundant from her previous job and fell into arrears of around £1,000 on her rent, but has now gained part-time work as a receptionist for a local business. Including benefits, Claire has an income of £1,300 a month.

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• Room to Breathe

  John and Anna are middle-aged married couple with a house in Wrexham, bringing up a teenage son and daughter. John was recently forced to take a reduction in hours at work, as the business he works for struggle through the recession. They now have a monthly income of around £2,200 between them.

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• Know where you stand

  Joe and Lesley are a middle-aged home-owning couple from Brecon with four children. Between them, they earn just over £2,000 a month.

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