We are in the full flow of January and we are noticing a lot of debtors facing their own personal ongoing financial challenges. 

With the average total debt per household at a steep £60k we wonder what 2022 holds for individuals who are required to pay their debts. 

Whilst with company debts there is much less flexibility required in demands for payments we always need to allow individuals reasonable time and allowances for repaying their debts, but this is a fine balance to be struck .

Let's hope January is not as blue as predicted......