January 2005 could be the busiest month yet for Citizens Advice Bureau debt advisers, says the organisation.
The majority of CAB callers have financial problems
From April 2003 to April 2004, 10,000 people visited the CAB offices in York, the majority saying they had financial problems.
A spokeswoman said, this year had been busier than last and predicted a surge in numbers in January when bills begin to arrive.
Christmas and New Year seemed to bring things to a head, she added.
Busier than usual
Lou Smithson, the centre's debt franchise supervisor, said she expected at least an extra 220 people to visit over the festive and New Year period.
"This year we seem to have been a lot busier than last year.
"We are predicting we are going to have quite a few more people through the doors at Christmas time and into January.
"It's at this time of year that a lot of people realise that they have to do something. Or, they make a resolution to get their debts off their chest."
At least 75% of people visiting are women and the majority are aged between 30 and 40.
Ms Smithson recommended that people facing difficulties should take a look at their outgoings and see what they are spending their money.
They should also make paying their principle bills, such as mortgage, rent and utilities, a priority.