HM Treasury  

Consumers in problem debt to be given advice

He said the government scheme would fundamentally improve how people seeking to repay debt are treated, putting them in a far less precarious position. 

Joanna Elson, chief executive of the Money Advice Trust, agreed and said the government’s decision to include local authorities and other public sector creditors was particularly welcome and could be a "game-changer".

imogen.tew@ft.com

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