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Anyone who racked up big debts over Christmas is urged to get help. But just how bad is it?

Anna Foster asks what debt is doing to you, and takes your calls, with advisors Beverly Budsworth and Graham Niven at hand, to try to help.

Call 0500 909 693 (free from most landlines; other networks and mobiles may charge). Text 85058 (charged at your standard message rate). Email breakfast@bbc.co.uk.