Debt help companies are being accused of targeting the most vulnerable consumers with their television adverts, with students and parents mentioned specifically.
Debt help adverts are generally screened in the daytime which suggests that these two groups are specific targets for debt management companies.
Critics say that these companies know that parents are the most likely to pick up the phone because they don't want to risk losing their homes or being unable to provide for their children.
Students on the other hand can sometime be naive when it comes to their finances and jump into the first arrangement offered to them. Debt help companies know they can make their offers seem untouchable and persuade students to sign up.
It's imperative that if you're struggling with your debts, you seek impartial advice. If you're going to approach professional debt management companies, then make sure you don't commit to an agreement unless you're absolutely sure of the consequences.