If or when a creditor gives a consumer financial credit without conducting the correct affordability assessment, or if they know the consumer cannot afford the debt, the credit is considered reckless credit and can be written off by the courts. Going against the National Credit Act, reckless lending has huge, dire implications for both lenders and consumers. Putting the consumer in a position where there is no possible way to afford their repayments, the creditor takes fault as it is their responsibility to make sure to consumer can afford monthly payments. Reckless Credit is a huge problem in recent years, with creditors allowing those with poor financial knowledge the ability to take on credit they cannot afford. This often leads to the creditors enforcing garnishee orders or attempting to sideline the consumer to get the money. This has put many consumers in uncomfortable situations where they cannot possibly survive with their current debt situation.