These are the top 20 debt hotspots in England and Wales, according to Citizens Advice .

The charity based its findings on calls for help received across England and Wales between July and September.

1. Denbighshire

2. Merthyr Tydfil

3. Stoke-on-Trent

4. South Tyneside

5. Darlington

6. Salford

7. Copeland

8. North Tyneside

9. Mendip

10. Liverpool

11. Stevenage

12. Gateshead

13. Middlesbrough

14. Torfaen

15. Northumberland

16. Lincoln

17. Cannock Chase

18. Barrow-in-Furness

19. Hastings

20. Sandwell