The cities where tens of thousands have problem debts
New figures from the Money Advice Service suggest inner-city areas are the worst affected.
In Newham, in the East End of London, and Sandwell in the West Midlands, at least 22% of residents have problem debts.
In Manchester, more than 90,000 adults are struggling with repayments.
The total number of people in such difficulties has risen by about 100,000 in the past six months to 8.3 million, according to the Money Advice Service.
However, that is fewer than the 8.8 million who had problem debts in 2013.
Over-indebted individuals are defined as those who find meeting monthly bills a heavy burden, or those who miss at least three bill payments in a six-month period.
Areas where more than 20% have problem debt
Newham, East London: 22.7%
Tower Hamlets, East London: 22.7%
Sandwell, West Midlands: 22.1%
Barking and Dagenham, East London: 21.8%
Blaenau Gwent, South Wales: 21.6%
Source: Money Advice Service