Talking about debt is more important than ever before, especially in times of the cost of living crisis. I am sure you have received a letter in the post asking you to get a credit card; or you have seen adverts on the TV or Google about different types of loans offered to you - subject to credit check. You only hear about debt when you are personally struggling financially. There are also regulatory changes or changes in the types of debts the sector deals with in recent times compared to just consumer credit debts. A debtor who seeks advice may also have other issues to resolve:...