t has become easier for credit card companies and personal lenders to recover debts from the proceeds of the house sales of struggling borrowers following a change in the law. The government has changed the rules around 'charging orders' so that unsecured debts such as credit cards and personal loans can be turned into secured debt - where the sum is secured against an asset such as property - more easily. Under the old rules, a lender faced with a borrower unable to make repayments had to issue a default notice. If this didn't work they could apply for a county court judgement (CCJ) to enforce repayment.....Read more here: Lenders given fast-track to make a charge against borrower's homes for unpaid debts