The aim of the research based on which this report was written was to map the trajectories of people who face over-indebtedness or for whom debts constitute a significant problem in their professional or personal lives. The central questions of the research were: What is life like for people with excessive debts in the contemporary Czech Republic? What do people who face debt traps undergo in their everyday lives? How are debt trajectories formed and how do people with such experience view the solutions available to them?