Plain English Summary
Background and study aims
Depression and associated anxiety are common among patients seen in general practices. Many such patients also have debt and prolonged absence from work. There is increasing evidence of a relationship between indebtedness, depression and risk of self-harm and suicide. It is suggested that anti-depressants and talking therapies are cost-effective in the treatment of depression in general practices. Whilst indebtedness and poverty are common in society, particularly in areas of deprivation and high unemployment, the economic recession has worsened these problems. Whilst debt advice services are widely available, there is no robust evidence of their impact on mental health outcomes or their cost-effectiveness. There is a long history of welfare advice provided in primary care, particularly in areas of greatest economic need. However, debt advice is different from general welfare advice, and in the model we propose testing (that provided by the Citizens Advice Bureau - CAB) different from many of the commercially available offers of debt consolidation. Instead it focuses on assessing the level and urgency of debts and arrears and triaging to specific detailed advice on debt, or money management. We propose to test the impact of a shared assessment and management plan between GPs and CAB staff, linked to sessions of individual debt advice.
Who can participate?
Patients with depression (with and without additional anxiety) who also are worried about debt
What does the study involve?
People wishing to participate in the study are first screened to see if they are eligible to take part. If they are, they complete an initial assessment visit with a researcher in the participant's own home or at a venue of their choosing. After this, the participant is randomly allocated to either receive debt advice from the Citizens Advice Bureau (CAB) and a shared comprehensive assessment between a general practitioner (GP) and the CAB advisor, or to receive treatment as usual and a debt advice leaflet. Participants take part in two further assessment visits with a researcher one at 3 months after allocation and one at 12 months. A number of participants are also invited to take part in two interviews with a second researcher to explore the participants' experience of debt, its impact on their life and their experience of the intervention. A number of staff (GPs and CAB advisors) also take part in interviews 6-12 months after the start of their participation. The purpose of these interviews is to look at the intervention in more detail from the professionals' point of view.
What are the possible benefits and risks of participating?
It is hoped that the debt advice will aid recovery from depression. The likely main risk is that people may become distressed when talking about their current difficulties. Researchers will follow protocol guidance in such circumstances.
Where is the study run from?
The study will recruit from sites in England and Wales and will be managed from three centres: Liverpool University (lead University), Plymouth University and Swansea University. Participants will be recruited from general practices in Liverpool, Plymouth and Bridgend.
When is the study starting and how long is it expected to run for?
June 2014 to May 2016
Who is funding the study?
Health Technology Assessment Programme (UK)
Who is the main contact?
Dr Adele Ring
Dr Adele Ring
Division of Public Health
16531; HTA 11/148/01
Debt Counselling for Depression Randomised controlled trial
To what extent does debt advice from Citizens Advice Bureau counsellors for patients with debt and depression, accessed through general practices, make a difference to patients' recovery from depression.
Randomised; Interventional; Design type: Treatment
Primary study design
Secondary study design
Randomised controlled trial
Patient information sheet
Not available in web format, please use the contact details to request a patient information sheet
Topic: Mental Health, Primary Care; Subtopic: Depression, Not Assigned; Disease: Depression, All Diseases
Patients are randomised to two groups:
1. GP treatment as usual (TAU) supplemented by a debt management advice leaflet (control)
2. GP treatment as usual supplemented by debt advice leaflet and primary care based CAB debt advice, including a shared GP/CAB Advisor comprehensive assessment (intervention)
Follow Up Length: 12 month(s)
Primary outcome measure
Depression, measured using the BDI-II score; Timepoint(s): baseline, 4 and 12 months
Secondary outcome measures
1. Explanatory measures; Timepoint(s): baseline and 4 months
2. Health and social care utilisation and employment factors; Timepoint(s): baseline, 4 and 12 months
3. Health-related QoL; Timepoint(s): baseline, 4 and 12 months
4. Life events; Timepoint(s): baseline and 4 months
5. Psychological wellbeing; Timepoint(s): baseline, 4 and 12 months
6. Service satisfaction; Timepoint(s): 4 months
7. Substance misuse; Timepoint(s): baseline, 4 and 12 months
Overall trial start date
Overall trial end date
Reason abandoned (if study stopped)
Participant recruitment issue
Participant inclusion criteria
1. Aged 18 or above
2. Scoring 14 or above on the BDI
3. Self-identifying as having worries about debt
Target Gender: Male & Female ; Lower Age Limit 18 years
Target number of participants
Planned Sample Size: 470; UK Sample Size: 470; Description: 390 if individual randomisation; 470 if cluster randomised
Participant exclusion criteria
1. Housebound and/or unable to get to CAB advice sessions
2. Actively suicidal or psychotic and/or severely depressed and unresponsive to treatment
3. Unlikely to comply with the intervention or follow-up e.g. experiencing severe problems with addiction to alcohol or illicit drugs
4. Unable or unwilling to give written informed consent to participate in study
5. Currently participating in another research study including follow-up data collection phase
6. Has received CAB debt advice in the past 12 months
Recruitment start date
Recruitment end date
Countries of recruitment
Trial participating centre
University of Liverpool
Health Technology Assessment Programme
NIHR Health Technology Assessment Programme, HTA
Funding Body Type
Funding Body Subtype
Results and Publications
Publication and dissemination plan
The report will be published in the Health Technology Assessment Journal.
IPD sharing statement
Electronic records will be stored in a Structured Query Language (SQL) Server database, stored on a
restricted access, secure server maintained by Plymouth University. The website will be encrypted using
Secure Sockets Layer. Direct access to the trial data will be restricted to members of the research team
and the CTU, with access granted to others on request. Access to the database will be overseen by
the CTU data manager and trial manager. Those interested in accessing the data should contact the
corresponding author Dr Adele Ring (email@example.com).
Intention to publish date
Participant level data
Stored in repository
Basic results (scientific)