Unwanted credit card cheques could be banned and loan sharks tackled if government plans to help people struggling with debt become law.
UK residents now owe £233bn on credit cards, overdrafts and other loans according to figures from the Bank of England.
A government white paper published this week has promised "Real Help Now" for people struggling to manage these debts in the midst of a recession.
Among the plans is the creation of a Consumer Advocate who would help consumers get their money back when things go wrong.
Will it work? We speak to Consumer Minister Kevin Brennan about the plans and get some reaction from Damon Gibbons of Debt on Our Doorstep.