In “Advice to Teens”, Nicola Phillips demonstrates parents’ concern about their children’s rising debts along with extravagant spending, mostly due to young adolescents having access to easy credit and immoral moneylenders. For young people under the age of 25, indebtedness has become a serious issue, due to “personal loans, overuse of store cards and bank overdrafts” (Phillips, 1). From this, the question of who is responsible for paying off such debts and who should be to blame arises. A specific example is William Collins Jackson, son of an East India Company merchant, who ended up becoming trapped in the world of dangerous borrowing, although initially, he had much promise and a bright future. William wrote many pleas