About 40,000 home owners will have their properties repossessed in 2011, up from an estimated 36,000 last year, according to the Council of Mortgage Lenders, and many are already feeling the strain.
Rising unemployment is a major factor and as we try to pull ourselves out of the recession, there will inevitably be casualties.
I have spoken to many people who are concerned about getting through the next weeks and months without sacrificing everything they have worked hard for.
While many believe a financial adviser is only for those with high disposable incomes, I think this is the most prudent option for many in these trying times.
If you had concerns about your eyesight, the chances are you would visit an optician for advice, even if it did cost you money. It is unlikely that you would attempt to fix the problem yourself.
Similarly, with tough financial times still on the horizon, it is far wiser to speak to a specialist than attempt to battle on alone, potentially making costly mistakes along the way.
Just as an optician specialises in eyesight and a lawyer specialises in law, the financial services industry is teeming with experts who can offer sound advice on the best way through difficult times.
Consumers need to make sure they are as well protected as possible right now.
As an industry, we can offer protection for their finances in a number of ways. Now really is the time to ask the experts.