As many predicted, after the Christmas period there has been a surge in callers seeking debt advice in the UK . There's usually a rush of callers with debt problems after the festive break. Sometimes people delay seeking debt advice until after the holiday; others simply overspend and can't afford the credit card bill when it arrives. This year, the number of people looking for debt help and advice has broken previous records. One agency reported 12,000 callers in the fortnight after the holiday - the busiest period since they started in 1987. Many retailers reported a slow-down in sales in the run-up to Christmas. It was suggested that people were reluctant to use their credit cards or increase their bank overdraft. While there was a last minute boom in sales,…