Shown on Sky 3 at 17:30, this show does exactly what it says in the title, it meets members of the public who have fallen into heavy debt and face bailliff repossession and tries to help them before it is too late.

Presented by Lorne Spencer, the show begins by introducing the person in debt and explaining why they are in debt. Generally the reason is due to sheer overindulgence, too much heavy living, too many holidays, cars and posessions or simply greed.

The subjects tot up their debts and their incoming money and then sit with a financial expert to work out ways of consolidating debts and paying off fees rather than simply spending money. The experts provide commonsense advice that sometimes the people don't deserve as they seem determined to retain a champagne lifestyle on beer money.

Possessions are valued and attempts are made to reduce the debt, the possessions are generally sold for a fraction of their purchase price which must frustrate the person in debt seeing they are now paying money back for nothing. The people are generally a bit too keen to show off their lifestyles and not keen enough to resolve it, if somebody does work out ways to pay bailiff charges and resolve their debts in a manageable way they avoid having possessions taken away, if not the show ends with the person watching the bailiffs remove their favourite things.

This is a sad and true indictment of the way we live, borrowing too much to maintain lifestyles, its hard to really feel sorry for a lot of the people as their cases are different to people living on the breadline, struggling, these people have borrowed to excess through greed rather than necessity and thats what forces a total lack of empathy with the subjects.

Overall its a watchable show but leaves you feeling a little empty inside.