Why does everyone assume if your in debt you must be buying perfume and God forbid make up (I doubt is buying makeup has put anyone in the poor house), or eating out too much, or even watches TV?
If the individual is of low income, then public assistance might take care.
If the individual suffered a loss (a husband or wife) and got in debt, then next time don't rent silly limousines, buy the cheapest coffin (don't rent a luxury one to be exchanged later), avoid funeral services, reject maintenance of the burial place, and from 10 to 20 thousand bucks the burial will cost no more than 3 thousand dollars. The integrity of a dead person is respected just by burial underground in a coffin or a bag. The rest is just pretentious.
If the individual got in debt because medical bills, well, you want to stay alive... it will cost you... it is painful to see it this crude way... but this is the way it is.
But, if the individual got in debt because bought things like crazy, dresses, 50" TV for the bathroom, a new car, expensive parties for the children and so forth, and now is in trouble because the money must be paid back to the loaner, then... sacrifice my dear, sacrifice... stop buying and start paying...