専門家s 警告する記録，記録的な／記録する numbers of people could go 破産者／倒産した in 2008 as 財政上の恐れるs 深くする

Last updated at 16:40 28 December 2007

A 記録，記録的な／記録する number of people could be 宣言するd 破産者／倒産した or insolvent during the coming year, it was 警告するd today.

Accountants KPMG said tighter lending 基準 and a Christmas spending blitz meant more than 130,000 borrowers were likely to enter into Individual Voluntary 手はず／準備 (IVAs) or be 宣言するd 破産者／倒産した in 2008.

That would be up from the total of just under 110,000 推定する／予想するd this year in England and むちの跡s, a rise of 19 per cent.

Scroll 負かす／撃墜する for more...

KPMG said its 研究 showed around 43,000 people used the IVA 大勝する to 帳消しにする a 部分 of their 負債s in 2007.

Another 67,000 people were 宣言するd 破産者／倒産した during the year, swelling the total number of personal insolvencies to the highest ever level.

The 会社／堅い's 研究 showed the 普通の／平均（する） IVA debtor 借りがあるd ￡50,300, with more than 2,500 people 借りがあるing more than ￡100,000.

示す Sands, KPMG's personal insolvency director, said: "This high 普通の／平均（する） level of 負債明確に示すs that too many people have borrowings that they have no 現実主義の hope of 返すing.

"Any 過度の spending over Christmas and at the New Year sales, 特に where goods are paid for on credit, 危険s tipping even more 消費者s over the 辛勝する／優位.

"The credit crunch is resulting in 増加するd 拒絶s of credit card 使用／適用s and a 削減 in the availability of 貸付金s 安全な・保証するd by a second 告発（する），告訴（する）／料金 on the family home.

"Those in difficulty will find that their 選択s are becoming 限られた／立憲的な - formal insolvency will for many be the only way out."

This year, ￡1.3 billion of bad 負債s were written off by creditors because of people taking the IVA 大勝する, compared to ￡1.4 billion in 2006.

< /p>

KPMG said 貸す人s were getting ますます関心d about the numbers of people turning to IVAs - in which borrowers agree to 支払う／賃金 a 確かな量 of the 負債支援する before it is written off.

This was shown by the fact that 17 per cent of people had their 協定 turned 負かす／撃墜する by creditors in 2007, compared with 15 per cent in 2006.

Mr Sands 追加するd: "Lending 会・原則s have over the past year raised 関心s as to the 可能性のある misuse of IVAs, where perhaps they are 存在 recommended when they are not the most appropriate 解答.

"It remains 必須の that all 伴う／関わるd continue open 対話 about the wide variety of 解答s which are 利用できる to the 増加するing number of 消費者s struggling to manage their 負債s."