I attended the @debtjustice launch of their People's Manifesto yesterday. Powerful testimony from members of the panel that really stayed with me, including: "The only coping mechanism, to carry on with life in debt, is to bury your head in the sand". debtjustice.org.uk/campaigns/toge…
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So much of the debt collection sector rely on this refrain "pick up the phone and we can help you". But this ignores the harm done by debt collection every single day - and places the burden on the individual in difficulty, not the company or organisation.
One side of that relationship holds all the power, and one side none at all - it's not a surprise people don't "just" pick up the phone.