The coming year could see hundreds of thousands of UK consumers suffering a debt "tipping point", a leading debt campaigning charity has told the BBC.
Damon Gibbons, chair of campaign group Debt on our Doorstep, says that just relatively small increases in interest rates - within the range of some economist's forecasts - could spell financial doom for many.
And this, in Mr Gibbons words, could create a damaging "snowball effect" for the whole economy.
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