Churches in Cumbria are offering advice to people struggling with debt... and are even helping them negotiate with their creditors.
Tim Backshall went to find out about the scheme, which is now being started at a church in Penrith:
A church in Eden is offering an advice service to help people who are in debt.
Penrith Methodist Church has joined forces with the charity Christians Against Poverty, one of a number of organisations that can help:
The Penrith chapter of Christians Against Poverty can be contacted free on 0800 328 0006
The Citizens Advice Bureau went to Annan Football Club's Galabank ground to promote their debt advice service.
A rise in the number of so called Doorstep lenders in Southern Scotland has led to the Citizens Advice Bureau trying a new approach. It's set up a stall at Annan football club, the first time this has been attempted.
The Citizens Advice Service says that there has been an increase of 42 percent in the numbers of people who said they had a problem with doorstep lending in Dumfries and Galloway. And on average those people owed £1,200 to doorstep lenders.
Interest rates from doorstep lenders are around 1,000 percent
People living in and around Coldstream have the highest level of personal loan debt per person than anywhere else in Scotland.
Figures released by major bankers show a breakdown of more than 9,000 postcodes, to show how people rely on lending.
The TD124 postcode, which covers Coldstream, Cornhill-on-Tweed and Mindrum, is eighth on the list, and is the only Scottish area included in the top ten.
Here are the postcode areas which owe the highest amounts in personal loans per person according to the findings, with the amount owed per head:
LS17 0 Leeds, £1,516
M3 3, Manchester, £1,408
PR7 7, Preston, £1,270
CH47 0, Chester, £1,238
SA7 0, Swansea, £1,222
HU1 3, Hull, £1,214
MK9 4, Milton Keynes, £1,205
TD12 4, Galashiels, £1,204
MK42 6, Milton Keynes, £1,182
NE13 9, Newcastle upon Tyne, £1,156
Almost a quarter of people in Scotland will find themselves in debt as a result of this Christmas.
24% of Scots say they are expecting to end up in debt this year compared to 17% of English people and 20% in Wales.
A survey carried out by ScotlandDebt.co.uk found that being the most generous spenders at Christmas is having a negative affect on many people in Scotland.
As 13% expect to spend over £1,000 this year, 62% admitted to overspending during the festive season.
The debt advice charity say the figures are worrying:
Scots are are the most generous Christmas spenders in Britain.
A recent survey by ScotlandDebt.co.uk found that 13% of Scots plan to spend more than £1,000 this Christmas whilst only four per cent of English people and eight per cent of people in Wales are planning to spent the same.
Scotland is also expected to have the highest average spend this festive season at £611.
However the debt advice charity is concerned by the number of people who could be getting themselves into debt to meet the expensive demands of Christmas.
A new television and advert campaign aimed at highlighting the help available for people struggling with debt, has been launched by the Scottish Government.
The Debt Arrangement Scheme (DAS) is an initiative which helps people to pay back their debts over a reasonable period of time, based on the amount they owe and their current financial position.
DAS stops creditors using debt enforcement action and safeguards people's homes- as long as they keep up mortgage repayments.
Recent changes to the scheme means it also now freezes interest, fees and charges to prevent debts mounting up.