When a creditor gives a consumer financial credit that they know they cannot afford to repay this is called Reckless Credit. If you think this might have happened to you, please contact us, as one of our Debt Counsellors can investigate your case to see if it is Reckless Credit, which means you may not have to pay these debts off. If we find this to be the case, then a court could order the debt to be removed on your behalf.