Delroy Corinaldi, external affairs director for StepChange
Debt Charity, said: "Low income households will always be the most financially vulnerable.
has a dedicated team for persistent debt enquiries on 0300 303 2517.
said that a thorough budget is "vital" in being able to manage money effectively, especially for those who are struggling to meet their living costs.
Mike O'Connor, chief executive of StepChange
Debt Charity said: "Debt can have a devastating effect on people's lives."
says people are heading for a cliff-edge moment early next year as the third step in the process happens.
Elsewhere in West Yorkshire, StepChange
logged 1,154 calls to the helpline for people in Leeds with 751 from Wakefield, 641 from Bradford and 212 from Halifax.
Debt Charity says almost of third of those responsible for paying council tax are in arrears when they seek help with debt - and many are being hounded by bailiffs turning up at their home.
You can talk to your bank, but also the debt charity StepChange
.org; call: 0800 138 1111), who can provide financial advice, as well as devise a debt management plan to help you pay it off at a more manageable rate.
Last year numbers grew by more than a fifth, with a 23% increase in people contacting the StepChange
PS1,000 'EMERGENCY FUND' FOR EACH HOUSEHOLD NEEDED EVERY household should be encouraged to build up at least PS1,000 as an emergency fund, StepChange
Debt Charity has urged.
Debt Charity says that many of those seeking its help over the age of 60 are in fuel poverty.
While large numbers of first-time homebuyers report receiving parental help with deposits, new data from StepChange
Debt Charity reveals that young adults do not borrow as much from friends and family as older generations.