Chapter 6: Minimising and challenging debts1. IntroductionInaccurate calculationsConsider the options2. Using contract lawJoint and several liabilityGuarantorsAgentsThe wrong personForged signaturesLiability after a deathJointly owned propertyUnder 18 year oldsContracts made under undue influenceMisrepresentation of the terms of the contractCapacity to make a contractHousing disrepairFaulty goods and servicesMistaken payments into bank accountsDefault chargesWhat is an unfair termWhat action to take