Married women who have jobs are the most likely group to be juggling debt, according to latest figures.

Many owe money on credit cards, loans and overdrafts, and more than half are classed as ‘higher professionals’.

And a Huddersfield debt advice service admits it is always busy with people facing problems.

Office for National Statistics figures show 20% of people have one type of debt, while one in 11 have two different debts. And just under 1% have four major debt types, owing an average of £15,000.

Of these, two-thirds are aged 35 to 54, and 59% are female,

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A third of people in Britain are overdrawn on their current account, by an average of £400, and 45% owe money on credit or store cards, owing an average of £1,300.

Yvette Robinson, Huddersfield debt centre manager for Christians Against Poverty, which provides free debt counselling to anyone with a Huddersfield postcode, said her service has been busy since it opened in the town six and a half years ago.

“Helping people deal with debt is an ongoing thing and there is a steady flow of people.

“They come from all ages and all backgrounds.

Yvette Robinson, Christians Against Poverty Debt Centre manager.

“We are always busy at the centre. There are still problems out there.”

The ONS figures show that between July 2012 and June 2014, 48% of households and 35% of individuals had financial liabilities, a slight drop on the figures from six years before.

But the amount owed has risen from an average of £2,800 to £3,400.

And twice as many people living in the poorest households are in financial debt compared with those living in the richest.

READ MORE: Poverty affects a third of households in Kirklees

The figures show the more children you have, the more likely you are to be in debt.

And people aged 16 to 24 had the highest level of debt compared with their income, with some having debts of 40% or more of what they earn.

Nearly half of people aged 25 to 44 have debts.

Nationally, the group which is most likely of all to have debts is those who are separated.

Pensioners are the least likely to have debts, with just 15% of single pensioners and 17% of pensioner couples having financial liabilities.