The rest of the people are more worried about the economy, which was so strong for so long but is now facing tough times and potential chaos. The UK financial services sector has been critical to the economic strength and people will all be relieved to see it settle down and for normal trading to return. Many of you in credit have long predicted problems. Borrowers self-certifying their salaries for mortgages way out of their grasp in repayment terms is one area that all people felt would end in tears. Falling property values will have an impact for creditors obtaining charging orders or pursuing individuals to bankruptcy. Taking bankruptcy actions against such debtors have produced great results for clients recently.