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For a long time, I thought I was doing good as a debt counsellor. But I have to face facts: I was coaching people on how to wallow in the warm swamp of indebtednesss

By David Gaffney   February 2009

Nobody wants to die with money in the bank. The idea of unused credit facilities lying around makes us uneasy, desperate for the whiff of a freshly swiped card. Or is that just me? For ten years I worked as a debt counsellor in Birmingham and Manchester. Many of my clients were cheery souls who lived life to the full, charging the bill to their credit companies and believing something would turn up. Wallowing in this warm swamp of indebtedness seemed a life of endless childhood bliss and, although it wasn’t strictly in my job description, I soon found myself…

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