A decade ago the majority of problem debt came from credit cards, store cards and loans.
Today, the UK is increasingly struggling with priority debts like mortgage, rent, utility and Council Tax arrears, all with serious consequences when unpaid.
The truth is, at CAP, we're increasingly meeting people who are going without the basic essentials to try to pay back what they owe.
Choosing between feeding your family or facing eviction is the kind of decision no one should have to make – especially in modern Britain.
Usually at this time of year, we ask our supporters to help fund Christmas hampers for clients. This season is a bit different.
While our local centres will continue to bless families with hampers and vital food aid, right now we urgently need you to do what you can to join us in tackling this crisis.
Amid the General Election focus, with promises aplenty, we must remember the poorest because the truth is: demand for debt advice has never been higher.
One debt client, Susanna, lost the ability to earn a living due to cancer and a subsequent relationship breakdown.
She faced losing her home as she was unable to pay her mortgage and, feeling trapped and hopeless, began to believe suicide was the only way out.
Thanks to the love of her local church and CAP’s Debt Help she is facing her first Christmas debt free, proving situations can drastically change for the better with the right support.
Alongside local churches, we’re working with thousands of families to make sure they won’t have to face another Christmas in debt.
We can’t sit back and let poverty wreak havoc across our nation. The time to act is now.