A Church in Eden is opening a debt counselling service, to help people move out of the debt trap.
Penrith Methodist Church has joined forces with the charity Christians Against Poverty, to help people across the Eden Valley and Alston.
Similar services already exist in Carlisle, Kendal and Whitehaven.
Christians Against Poverty are keen to stress that people with debt problems are welcome, regardless of their faith.
Clients are visited at their home, and the charity is able to negotiate with creditors on their behalf, to try to come to an agreement.
They say one in three callers seeking debt help are feeling suicidal.