Thinking about unenforceable credit card solicitors we also think of the ways and means of preserving our circumstances. Total British personal debt burden as December 2008 was an amazing £1,457bn. This has dropped to 3.6% over the last 12 months which translates to an increase of about £50,000,000,000. Borrowing in the last month of 2008 grew by £2.2bn; home loans escalated by £1.9 billion in that same month; unsecured personal borrowing expanded by £0.3 billion in the month as well. Average household debt in the UK comes in at around sixty thousand pounds (including mortgages). The average owed by every British adult is about £30,400 (including secured lending).