Years of increased borrowing, rising living costs and struggling to save has forced many families into a debt trap that is proving very difficult to escape.
Problem debt can have a corrosive impact on people and families. Our report shows how it can wreak havoc on mental health, relationships and wellbeing.
Across the UK people are up until the early hours worrying about their finances and bills.
Some of the poorest people in Britain are cut off from mainstream banking and have no choice now but to turn to loan sharks and high-cost lenders.
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A top temperature of 9 or 10 Celsius (48-50 F).
The poll comes ahead of a debate in the House of Commons on Friday on a new Bill which would introduce such a system in England.
Jobs with decent pay and flexibility are "few and far between" for single parents who are the main earner and carer, said the report.