Many typical Celtic Tiger couples have enjoyed the great times of the last ten years. Taking holidays, buying their home and giving children all that they might ask for.

However, since the onslaught of the Credit Crunch, life has changed significantly and the words 'economic recession' have become all too real for many Irish families.

Over the past ten years unsecured household debt has increased dramatically. Now, over a third of Irish people are finding their financial lives a real struggle and at least some of the time, to keep up with their bills and credit payments.

Fundamentally, the problem is that consumer debt is not being repaid by many people in Ireland with, again, over a third of people in Ireland not repaying unsecured debts such as credit cards and loans on a monthly basis.

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Debt problems are not just an issue for those on benefits or low wage families. These days people in middle and senior management positions face multiple debt problems as they are increasingly unable to sustain lifestyles arguably 'propped' up by credit debt.

With the impact of the credit crunch biting deeper almost on a daily basis it is clear that this will translate into more people experiencing debt problems turning to debt help organisations for debt management advice and debt negotiation intervention with their creditors. Seemingly ever increasing utility and food bills will also take their toll and many are set for a very very rocky ride in the months and years ahead.

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