Homeowners are warned that a three-pronged attack could see the number of repossessions spiral. Lenders are losing patience with those in arrears; government support programmes are being cut and economic shocks to the system will see interest rates creep up and potential unemployment figures soar.

Dear Credit Guy, I am over my head in credit card bills and also have a truck payment due every month. Is filing for bankruptcy a good solution? My monthly salary just doesn't cut it. Help me get ...

You may think bankruptcy will solve all your debt problems, but it also creates a whole new, lasting set of issues that will take a long time to recover from.

Millions of Americans that never had problems making their monthly payments before, are now struggling with them for the first time, and they don't know what to do. They have little or no previous experience of debt problems and they don't realize that many options exist. Whether or not they have a good or a bad credit rating is very important, because their options change, but knowledge is power, so come get some now.

Whether you are a consumer taking proactive steps to protect yourself from identity theft, or one of the more than 10 million consumers whose life was touched by identity theft last year, understanding your options can be challenging.