The debt charity suspects that people are logging on in the middle of the night either because they have been lying awake thinking about their debts, or because they are trying to hide their debt from their spouse or partner.
According to the Post Office around one in three people try to mask the severity of their financial problems from their family, with many burying their head in the sand about the money they owe during the day.
Those who are trying to hide their problems may not have the opportunity to search online for help and advice in the day, so throughout the night when they lie awake worrying they often turn to the internet for help and advice.
A spokesperson for CCCS said: ‘Debt problems are very emotive and often leave people feeling ashamed that they cannot keep up with their credit commitments. Dealing with debt is incredibly stressful so it is not surprising that many people, unable to sleep, seek debt counselling in the middle of the night’.
Out of a total 49,826 individuals who sought help from the charity, approximately 15,000 did so between midnight and 1am and around 3,500 did so between 4am and 5am.
According to the charity, a typical CCCS client has debts of £24,364, an amount just below the average yearly earning of a typical worker, and once paying all their bills a typical client has just £43 disposable income a month.
For information about Debt Management Counselling and how it may be able to stabilise your financial situation please visit our fact-sheet.