The aim of this research is to develop an understanding of the attitudes of Islington residents to debt, their related behaviours, and their views on and experiences of debt help and advice services. The research used a qualitative research methodology, comprising of 18 in-depth interviews, nine focus groups and one consultation group. Residents who took part had recent or current debt, excluding mortgages and had experience of a range of different kinds of debt and credit. Some had experience of using advice services but some had not been in touch with any advice services Results showed that people need help with their financial literacy if they're to lift themselves out of debt. Moreover feelings of embarrassment and depression, stopped residents from seeking support and residents didn't know about the free specialist debt support services available in the borough.