If you haven't heard, the government are offering debt help to consumers struggling with their finances in the form of EROs or Enforcement Restriction Orders, meaning people can suspend repayments on their debts.
Unfortunately these EROs will not be available until 2010, which makes them of no use to people struggling to cope with massive debt today.
When they do come into action though, it's expected that they will be a genuine alternative to personal bankruptcy and the IVA.
It's yet unclear what the exact stipulations of an ERO will be and what kinds of debt consumers will be allowed to suspend.
It is however likely that only people who have either lost their jobs or gone through a divorce will be eligible to apply for an ERO.