Just as an example of facing petty tyrants, I'll offer this example.
For 2 years I was faced with crippling credit card repayments which left me with £10 a week to live. My parents fed me during this period, and I spent my money on a monthly amount of tobacco, which I needed. I coped, amazingly enough, it really surprised me. I just read and watched documentaries, and only smoked when I absolutely needed to. No indulgences.
Anyway, I finally got fed up with the situation so I sought out the support of the Citizen's Advice Bureau, who represented me when HSBC demanded I pay them £5000 in debts or faced being taken to court. I told my CAB rep my whole story of how I got into debt, along with my mental health history. I offered to pay back 10p a month because otherwise I couldn't support myself. HSBC were nevertheless insistent at this point. Then I thought to mention to my rep that I thought it odd that they'd be so antsy about a small debt whilst they were laundering money for south american drug cartels, whilst paying massive fines for it (as has been documented. HSBC is a very corrupt bank!). I asked my rep at the bureau to especially make mention of this in her correspondence with HSBC, so she did.
Within a month, HSBC closed my account and requested that I destroy my bank cards and never apply for an account with them again. They wrote off my debt and our association was ended.
A small victory for me, and finally I could live as a normal person again. I drew a picture for my Bureau rep and sent it to her a few days later, as a small token of thanks. I have no idea what she made of the whole affair, but I was very, very thankful for her efforts in helping me out. Just a small example of how knowing your enemy, armed with facts, can really help you out! They enticed me into debt when I was very ill, and didn't explain what the consequences were going to be. Thankfully I did my due diligence on them and it all worked out okay in the end.