Millions of people could escape their spiral of debt by accessing free advice.
However, this study presents us with a fundamental challenge: the majority of people with debt difficulties do not seek advice.
This is the first time we've had such a detailed understanding of the complexity of their lives. So now, armed with greater insights, we will work with advice agencies, creditors and public bodies to help as many people as possible access free, high-quality, debt advice.
More top news
Republican politicians have faced a barrage of questions about the Trump administration's agenda during hostile town hall meetings.
Jobless Trevor Timon, 31, who admitted the one-punch manslaughter of banker Oliver Dearlove has been cleared of murder at the Old Bailey.
The Communities Secretary Sajid Javid has said businesses facing steep rate rises will get some help in the Budget.