Where can I find information and support for debt problems?

Christians Against Poverty is a national debt counselling charity with a network of 160 centres based in local churches, offering hope and a solution to anyone in debt (not just Christians). They can work with you to identify steps to overcome debt problems, money-management courses and self-help options. CAP is based at the Christian Life Centre (WA10 2DT) and Billinge Family Church (WN5 7DT), and appointments can be made by calling 0800 328 0006.

Citizens Advice Bureau can also offer confidential, independent and free advice around debt. They hold a number of drop-in sessions at the Millennium Centre and outreach venues at Sutton Academy (WA9 5AU) and Crownway Community Centre (WA12 9DA). Call 01744 737 866 for further information or to make an appointment.

Age UK also have a Money Advice Service for older people who are experiencing debt issues.

MoneyART deliver creative money management courses through the arts to enable people of all ages to manage their money with confidence. They deliver their courses in a variety of locations across St Helens – visit their website for further details.

There is also a national NHS Credit Crunch stress-line (0300 123 2000) available to help people with problems created by the recession.

CALM (Campaign Against Living Miserably) is about supporting men, particularly those aged 15-35. It’s about giving you a break, a way of getting things off your chest and sorting your head out. If you’re going through a tough time and live on Merseyside then they could help you get back to enjoying your life. They provide a helpline (0800 58 58 58) and a website full of information, blogs and stories on issues relating to depression and suicide.