These feelings are natural when dealing with the stress and anxiety of financial worry, but if you think you might have a debt problem, it's important that you get help as early as possible.
Kirsty continues: "There's no need for people to feel embarrassed about getting debt advice, it happens to all sorts of people, for many, many reasons - reasons that are often out of their control.
"You're not on your own. Help is always at hand at StepChange, and we have many experienced debt advisors who can find you the right solution.
"We can always do something to help."