Interest rates have been increased to 5.75 per cent. This will affect people in different ways but many will be concerned that this will add to their financial pressures. For some it could be the last straw.

Whether you are struggling with rent or mortgage arrears, credit card debts or energy bills, there is help and advice available. However, poor advice can be worse than no advice at all so it's important that you know where to go to for help.

We at the Legal Services Commission work with high quality solicitors and advice agencies in the community to deliver a range of legal advice services that help people to solve their problems.

In addition, the Commission funds Community Legal Service Direct.

Community Legal Service Direct is a free and confidential advice service paid for by legal aid. If you live on a low income or benefits call 0845 345 4 345 for independent advice about debt, education, benefits and tax credits, employment and housing problems, or visit www.clsdirect.org.uk to find out more.

Community Legal Service Direct helps people find information and advice, including local advice services. Visit www.clsdirect.org.uk or call 0845 345 4 345.

Community Legal Service Direct has lots of information leaflets that cover common legal problems. They explain the law and help you get the right advice. You can read or download them at www.clsdirect.org.uk.

The Commission is constantly working to help even more people access legal advice whilst ensuring that the best use is made of taxpayers' money. People who understand their rights, can deal with their problems and play a fuller role in society.

So if you are worried about debt, seek advice today.

GEOFF MOUNTJOY, regional director, South & West Legal Services Commission.