David Foster knows all about the problems of ending up in debt that can quickly escalate. He lost his job because of ill health and saw the amount he owed go up and up.
But what seemed like a desperate situation was turned around once he contacted the charity, Christians Against Povery in Carlisle.
Now a similar debt service, to help people like David, is being opened in Penrith. It will cover the whole of the Eden Valley.
David is full of praise for the church-based service and believes it could now help many more people to find a way out of their debts.