The figures, compiled by StepChange Debt Charity, show that the average debt in the area stands at £11,405 - lower than the Scottish average of £12,327. The staggering amount is trumped by residents in neighbouring Ayr who rack up an average debt of £17,265.

The information dates back to 2010 to allow the charity to identify trends if necessary. The figures only contain unsecure debts including pay day loans and council tax arrears and do not include mortgages.

The average is dramatically decreased, with the average debt in 2010 standing at £16,456.

Sharon Bell, Head of StepChange Debt Charity Scotland, said: “Keeping a roof over your head and heating your home are basic needs, yet for too many Scottish families these are constant worries. While debts have fallen, the nature of that debt is shifting. We are seeing more of our clients in Carrick, Cumnock and Doon Valley struggling to pay essential bills like council tax, energy bills and rent.

“Using credit to help cover basic bills can see people owing thousands in interest and charges. What the governments in Edinburgh and London need to look at is how we can catch these people before they fall into a spiralling cycle of debt. “We urge anyone who is relying on credit to get from payday to payday to seek help at the earliest opportunity. Seeking debt advice is not only a means of getting your finances under control, but could help address one of the underlying causes of stress and anxiety.” Carrick, Cumnock and Doon Valley MSP, Adam Ingram said: “Whilst the level of debt is smaller than average there remains a significant number in Carrick, Cumnock and Doon Valley blighted by debt with housing, energy and the growing problem of payday loans. What’s needed is a significant boost to the local economy to create new and better paid jobs. It’s hard to see how the austerity programmes of the Westminster parties will provide any relief to people caught in the debt trap.”