A charity that specialises in debt management says that the number of people from Carlisle contacting their helpline has dropped.
For the first nine months of 2012, the average StepChange Debt Charity client in Carlisle owed £15,760, compared to £17,709 in 2011.
Despite the drop, StepChange Debt Charity is warning people over the dangers of debt consolidation.
They say people will be struggling with multiple debts including credit cards, overdrafts and payday loans, especially after Christmas.
More top news
An investigation by ITV News has found the breast screening unit at Morecambe Bay Hospitals Trust missed 14 cancers between 2005-2011.
A man who stole around £200,000 worth of clothing from his employer has been jailed for almost two years.
The Jim Clark Rally, which is being held away from public roads for the first time in nearly 20 years, is set to get underway this weekend.