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Unemployment, an end to furlough and mounting arrears could spell debt disaster for thousands and debt charities are concerned that this will lead to an increase in mis-sold insolvency products like Individual Voluntary Arrangements (IVAs). Currently IVA providers can pay companies for people’s details often generated using misleading online adverts. These adverts sometimes impersonate advice charities and can deceive people seeking help. Debt charities are calling for the rules around these ‘lead generator’ adverts to be tightened up to protect people. Neil spoke to Money Box’s Paul Lewis about an experience his mother had as she dealt with her husband’s business affairs after he became ill.