Article: WORST EVER DEBT CRISIS; Anger as Scots face months of struggle to pay off credit cards Credit card debt sends thousands into bankruptcy.

Byline: JONATHAN BROCKLEBANK;ALAN SIMPSON

SCOTLAND is facing its worst- ever consumer debt crisis after the most crippling Christmas spending spree on record.

Financial experts say credit card debt has hit epidemic proportions.

They fear thousands will not be able to clear off their festive debts until 2006.

Scots are estimated to have spent [pounds sterling]3billion over the Christmas period, 90 per cent of it on plastic - a rise of 20 per cent on last year.

This has led to a huge financial hangover this month as credit card bills for December land on doormats across the country.

Debt helplines have seen their ...

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