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
Barack Obama laid a wreath for the victims of the Hiroshima atomic bombing of 1945 in the first presidential visit by the US.
The report says pensioners could lose thousands of pounds - but its findings are dismissed as 'outrageous' by a Leave campaigner.
Robert Braddick bought the lease on a car park in his home town, and immediately made it free for everyone.