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The average level of consumer debt (excluding mortgages) in the UK is £4009. With the total amount outstanding on credit cards £207.5bn it is an issue affecting millions of people. Banks and credit card companies make huge profits from encouraging us to spend and consumption is the single biggest factor driving the economy, so the Government are not inclined to assist with our addition to debt. Rather than ignoring the problem this article focuses on Debt Management and explain the options you have for dealing with debt.read more