John has graduated with a Law Degree from Trinity and gone on to qualify as a solicitor. John was thrilled to get a good position in a small law firm doing conveyancing. Things were going really well initially and he loved the feeling of having money and going for drinks with his colleagues in Temple Bar on a Friday evening. Only six months into the job, John was let go due to the downturn in property market. He was gutted as he had just bought a new BMW on hire purchase. He didn’t know how he would ever make the repayments.