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== Summary of the law==
[[File:Consumer_Law_and_Debt_-_Co-signing,_Guarantees_and_Joint_Debts.jpg|thumb|275px|right| link=| <span style="font-size:50%;">Image via www.istockphoto.com</span>]]
This area of the law is complex. The extent of client responsibility can turn on fine distinctions of law, as can the availability of legal defences. A considerable body of statute law and case law governs the creditor and debtor relationship when there is more than one debtor in a credit obligation.