Over-indebtedness largely results from a change in financial circumstances, caused by reduced income or overuse of credit, although relationship problems and changes in employment status are also common causes. Because of this, our clients are from all walks of life and we are able to offer help and advice to those on high incomes as well as those on low ones. A typical client on a repayment plan is mid-30's, married with children with an average debt of £24,000.