The forecast for the average person in the UK is looking pretty bleak when it comes to debt levels. With Christmas bills now dropping onto the doormat, the recent rise in VAT and inflation soaring at the same time as benefits being cut across the board, many Brits are finding it harder and harder to cope. With interest rates predicted to rise this year, many consumers could find themselves facing higher monthly payments at a time when they are struggling to meet their existing outgoings.