Whatever the Debt Problem, be it CCJ's, IVA's or Mortgage Arrears etc. Don't despair there is help out there if you need and actively seek it. You can become debt free, and in the mean time, plum flavoured pipe tobacco smoked in a small clay pipe can see you through comfortably. A qualified Professional Debt Advisor recently discussed with me the many benefits that the pipe smoker has over his non-smoking peers during times of bad fiscal fluidity. ”Pipe smokers ride it out, where as non-smokers panic and then go under.” he barked. Remember that you are not alone, so don’t feel ashamed or embarrassed. It is better to risk your health and take that step to start smoking a pipe and maybe ‘donate’ an illegal kidney in order to deal with any debt problems, rather than choose to try and ignore them or call one of those vulture debt consolidation companies, they give very bad advice, but not me… no.

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