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By: Charlotte PammentAround 8.8 million people are "over-indebted", meaning they have fallen at least three months behind with their bills in the last six months or they feel their debts are a heavy burden. But just 17% of this group said they are getting advice to help them deal with their debt, while around two-fifths (40%) said they did not feel able to talk to their creditors and 44% did not know where to turn for help, the research from more than 5,000 people found.