People in debt don't know where to go for advice, a survey has found.
It is estimated about 3.7 million people are in serious financial problems, yet many have no idea where they can go for help, the research for Legal Services Research Centre (LSRC) discovered.
Two-thirds of people in debt said they spent most of their spare time worrying about their problems, yet a nearly a third said they had never had any advice about their finances.
And more than 20 per cent said they would never seek professional advice about the issue, instead choosing to ask friends, relatives and even creditors about how to sort out their problems.