Over-indebtedness largely results from a change in financial circumstances, caused by reduced income or overuse of credit, although relationship problems and changes in employment status are common triggers of debt problems. Our clients are from all walks of life and we are able to offer debt help and advice to those on high incomes as well as low.

Last year we provided telephone and online debt help and counselling to 500,000 people. Many more people visited our website and obtained the information they needed to better understand money and manage their debts.

Additionally, we provide after care and support to over 100,000 people repaying their debts through one of our debt management plan programmes. These people have comfort and peace of mind in the knowledge that we are always here to help them with any difficulty or obstacle and through however many years it may take them to overcome their financial problems.