A good friend of mine has recently opened up and admitted they are right up the creek financially owing around 30k. This was caused by a long period of incapacity due to an injured back. They were told they were not entitled to anything other than statutory sick pay as such the savings have been exhausted and credit cards maxxed out. My friend has called all the credit card companies and offered a payment plan and asked for interest to be cut or frozen as the debt is just increasing due to the amount paid each month. The companies refused and offered no alternatives and just said tough. On top of this with trying to satisfy all parties they fell behind on a mortgage payment ( 2 to be precise) after this a debt representative called round and threatened repossession if the arrears were not immediately paid. My friend said the he could only afford approx 75% of the balance and could make up the shortfall at the beginning of May when he is paid again (he is now back at work). This again was flatly deemed unacceptable and as such has had to borrow the money. Can the financial organisations get away with not offering any assistance and resorting to such bully boy tactics, also can anybody recommend any expert organisations as the local CAB that I told him to visit had no advice to ease the situation. Surely him offering to pay the debts off instead of burying his head in the sand is a good thing

Thanks