Michelle from Dundee is 21 years old and lived in rented property.
Michelle worked as a receptionist and was paid £11,000 per year.
Unfortunately, the company she worked for went into liquidation and she was faced with redundancy and the prospect of finding another job.
This concerned Michelle because she had already put new furniture for her flat onto one of her credit cards and now had to use them to pay the rent as well as her other costs including petrol and food.
When Michelle eventually found another job four months later, her debt problem had escalated – the total amount of money she now owed over 5 different credit cards was £6,000.