People facing financial difficulties are urged to seek help early by using the Office of Fair Trading’s (OFT) free and confidential debt advice service.
It's run by professionally-trained and experienced debt counsellors, and people can access it by calling 08081624080.
In a bid to help more people, the OFT has also introduced a weekly drop-in clinic each Wednesday at the Wellbeing Centre in Peel, between 9.30 and 11.30am.
Further locations are being planned across the Island in the coming months and will announced in the near future.
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