Step Change is a charity that helps people who run into debt.

The operator of National Debtline expects to have its busiest January in years, and is predicting that over five million people could run into debt.

Traditionally, employees at auction houses court collectors for years, waiting for them to divorce, run into debt, or die—the so-called “three ‘D’s.”

But many of those had run into debt problems or had a bad experience with a bank and their accounts were closed.

"If Ghana's growth falls short of expectations, it will very quickly run into debt servicing problems," de Klerk wrote in a note to clients.