As huge numbers of people are left in debt and councils are millions of pounds out of pocket, an investigation by ITV Tyne Tees and Border has revealed local authorities are chasing-up council tax arrears of £116m.
Debt charities say, despite a council tax freeze in many areas, people don't have the money to pay up. Matt Hartley is from the Consumer Credit Counselling service.
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Border collie Jack had an injured leg when he was found near Mickeldore.
Paul Brand & guests - including Lib Dem leadership favourite Tim Farron & the SNP's new Border MP Calum Kerr. Watch the full programme here:
A look ahead at the forecast for the Border region.