St Vincent DePaul is appealing to people in Clare who are struggling financially in the run up to Christmas not to turn towards illegal money-lenders.
The charity's Clare President has pointed to a problem with money-lenders in the county and says that while SVP isn't in a position to help everyone, there's many arrangements that can be put in place to ease the financial burden on people.
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John Cullinane believes that many people who manage to keep on top of bills over the coming weeks may find themselves in a difficult position early in the new year.
But John is warning that its never a good idea to turn to money-lenders.