The approach adopted by your personnel from day one to now has been very good. Being in debt can for some people have a similar effect to how I imagine being addicted to drugs can effect you. You do not want admit to yourself or to those close to you that there is a problem and the only way forward appears to be obtaining more credit to solve the deep seated problem. Coming to terms with the fact that there's is a problem and then informing those close to you is the most horrific thing to get through, and so support to those close to the client is essential and should form part of the process because without the support of your family it is harder to face and can make it's successful conclusion that much harder to achieve.