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As the cost of living crisis deepens, figures suggest almost 13 million people in the UK are falling behind on their bills and struggling with their debts. Panorama investigates the booming debt management industry and the companies signing up people for Individual Voluntary Arrangements . IVAs allow clients to pay off their debts in instalments, but reporter Lora Jones discovers that some vulnerable people have experienced high-pressure sales tactics, and others are charged fees they struggle to pay.