00:00You don't actually have to let them in the House, so be careful about bringing that in.
00:04But I would always, actually, in first case, go and talk to National Debt Line, Citizens Advice Bureau,
00:09talk to StepChange if you've got the bailiffs in coming on this basis, talk to the council about trying to
00:13repay.
00:14But the problem is all about this time schedule, three weeks and three weeks.
00:18So when I was talking 63 days and three weeks, this starts next April.
00:21So I have to say April 2027. This doesn't come in today. This is going to take time.
00:25It comes in at the start of April next year. So we've got a year until this comes in.
00:29But it's very difficult. You know, we had we had another case study on the show,
00:33someone who got their letter telling them they had to pay the next day on Christmas Eve.
00:37They got in an absolute panic and they got themselves a very expensive credit card debt
00:41that then catastrophized and ruined the whole finances on the back.
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