Then you need to drill down for the reasons for failure: Budget too tight at the start (we get a few mentions of this on the forum, but not many). Not understanding your responsibilities under the agreed terms and falling foul of them (we get a few of those too). Change in circumstances and an unhelpful IP ( we get too many of those!). And, of course, we get the tried to hide the Rembrant, took out more credit, refusal to pay PPI / extra income / grannies inheritance.
The over-riding reason we see on here (and we are only a fraction of those in insolvency solutions) is lack of communication / misunderstanding and, as I have said many times, the debtors have no access to mediation other than to take advice from the likes of here and Debt Camel and fighting their own corner --- even then, they are over the proverbial barrel.
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