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Debt is sometimes unavoidable, but what happens when it gets hard to handle. Sheryl Armer, of insolvency practitioners Adcroft Hilton, talks to Kristen about the consequences of debt and what practical steps and help is available if you need it.

You can contact Sheryl via her website or email her sheryl.armer@adcrofthilton.co.uk. You can call her 01253 299 399. They can also be found on Instagram

If you need help you can also contact the debt charity StepChange

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