As the cost of living crisis deepens, more people are calling debt helplines than ever before.
As winter approaches, Lynsey worries that things could get more difficult for many people.
"Using a credit card to top up that minus budget each month, we have to be realistic. If I wave a magic wand and wipe all your debt off, you're still going to be minus each year. It's a vicious cycle," Lynsey explains.But for some callers, there are more positive outcomes.
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