People get into debt for all sorts of reasons, for example, losing a job, taking on a caring role, becoming pregnant, separating from a partner or becoming ill or disabled.

If you have borrowed more money than you can repay, or you have built up rent or fuel bills that you cannot afford to pay back, then you must take steps to sort things out.

It can be tempting to bury your head in the sand, but the longer you leave it, the worse it will get. Help and support is available and you will be able to take control of your finances again and look positively towards the future.

You can start taking control of your money problems today. Go to our 'Coping with debt' page to find more information and links to easy-to-understand help and advice about managing debt problems.

You can also compare different ways of 'borrowing money' and find out how to cope financially with 'changes' in your life.

It's an emergency. My creditors are threatening me with serious action, what can I do?

It is best to get some advice straight away, for example, from your local Citizens Advice bureau. You can find your nearest bureau by visiting the Citizens Advice Bureau.

St. Leger Homes also has a dedicated CAB adviser. Find out more about St. Leger Homes' partnership with Doncaster Citizens Advice Bureau and how to make an appointment with an adviser.

For free information and advice about debt, ring National Debtline on 0808 808 4000 or 'visit the National Debtline website'.

You can also visit the 'Now let's talk money' website to find out more about coping with debt.