Listen to BBC Essex - Steve Scruton 2-4pm

Once more Mike Thomas was live in the studio with Steve Scruton taking your calls, texts and emails on any debt questions.

Topics covered - New case due in court on bank charges, the procedure of going bankrupt from how to fill out the forms and what happens at court, the dangers of 0% balance credit card transfers, can a bankrupt be discharged after six months, why Mike thinks a million consumers need to go bankrupt and what you can do about loan sharks.