Debt-stricken calls surge - but here's how to cope
"As a joiner, I've always been a person who can fix everything," said Paul. "Saying I can't fix it, you have to let go and ask for help."
Soon afterwards, they were provided with food and energy vouchers, and an adviser helped them to make sense of their financial "mess".
Paul was made bankrupt, and Sam signed up to a debt relief order.
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Now, they lock money into virtual pots in their bank account that only open on certain days - such as a budget for food every week, and others for birthdays, with extra going into a savings pot.
This Christmas emphasised time spent with the family, rather than money spent on presents, so January has been stress-free.
Rob Smale
When Rob Smale's marriage ended he said his mental health deteriorated and his financial position nosedived.
At one point he owed £35,000 due to spending on multiple credit cards and gambling.
The 58-year-old is still looking for a job, having made more than 300 applications, but his financial situation is now much more healthy.
He puts that down to "an odd combination of dealing with big and little things" - ranging from knowing when the discount yellow stickers are added to items in the supermarket, to seeking help from a debt charity.
He said the breathing space scheme, which gives people temporary respite from creditors, was crucial for anyone to get some sense of control over their finances.
"Ask for help and be aware," he said. "Sometimes it's just about creating better habits. It's better to stay out of trouble, but not to panic when you are."
