Did you know you could get free expert help to deal with debt problems? The Citizens Advice service gives confidential, independent advice on managing money problems and there's no charge at all. Unlike some internet scams, there isn't a catch with Citizens Advice – they are an independent charity and all their advisers are fully trained.

If you, or someone you know, is struggling with debt, then you can get help now. Call 015394 46464, arrange an appointment, and start to learn how you can find the light at the end of the tunnel.

The adviser will help you to assess your total financial position, decide which are your priority debts, maximise your income, and negotiate rescheduled payments. Often clients think there is nothing more they can do, but their adviser can suggest options they had never thought of before.

Many people hide their heads in the sand – or don't open the envelopes – and hope it will go away. But facing up to debt, with the help of a friendly expert, is the way to break free.

Free, confidential advice and help is available from South Lakes Citizens Advice on any aspect of debt, consumer problems, benefits, housing, employment or any other problems. We have various outlets across South Lakeland and can also give advice over the phone – telephone 015394 46464 for an appointment and help. South Lakes Citizens Advice is a registered charity, No: 1118656 and company limited by guarantee, No:6113551. FRN: 617574