I remember we had one client, a woman, who had an obvious drink issue. I am not sure if the debt caused the drink or the drink caused the debt, but there was definitely a problem there. She came into the office with bandaged arms, and I sensed that something was wrong. We got her to speak to her family about it, and they managed to get her professional help. I am often in the position where I can see that there are other emotional issues involved, but I can’t help with it directly. So the message for the client, I suppose, is to take a degree of responsibility for resolving emotional issues yourself, either with the help of friends and family or a professional counselor.