Debt charities urge struggling consumers to seek advice early

Citizens Advice and National Debtline say January will be busiest for years as financial hangover, on top of rising rising bills, is feltTwo debt charities are preparing for what they say will be one of their busiest months ever as cash-strapped consumers are forced to face up to pre-Christmas overspending, and more deep-seated financial problems.Citizens Advice expects more than 370,000 people to seek help on a range of financial issues including post-Christmas debts over the next two months. C