It's shocking to think that so many families will be starting the New Year with a huge weight hanging over them, trapped in a daily struggle to keep their home.
Payday loans may seem like a quick fix, but the huge interest charges mean things can quickly spiral out of control.
It's vital that anyone who's having difficulty paying their rent or mortgage gets advice now.
Don't wait until things reach breaking point later in the year - it could leave your family's home at risk.
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ITV Border Political Editor Peter MacMahon says it's far too early to call this referendum.
A World War Two veteran has told ITV News he has fulfilled a boyhood dream by voting for an independent Scotland.
Speaking as a Scot - not the ITV News Scotland Correspondent - I am feeling a great anxiety about what lies ahead.