Household debt is at an all time high with unsecured debt - borrowing other than mortgages - averaging £14,300 a household.   
There is lots of help from debt charities, who are doing a marvellous job, but you have to be careful as there are vampire advisers, who pop up on your browser and they are out to add to your debt.  Or at least to charge you lots for help that can be got for free. 

Stepchange.org, Turn2Us.org.uk, Christians Against Poverty capuk,org and Citizens Advice all have lots of useful  information on their websites so that people can start to prepare for getting their finances sorted out before they make the first contact. 
Mortgage lenders have more latitude to help borrowers.

Everyone can get help.   Get your paperwork together and start the process.

Please send ideas questions, tips and warnings about rip-offs to Mrs Mean through the contact page on her website: mrsmeanmoneyshow.co.uk or to infomrsmean@gmail.com