There are many reasons people find themselves in debt. For our guest today, the underlying cause of his financial difficulties was drug addiction. James inspires us with his story - both how he battled his addition and why bankruptcy was a part of his recovery.

James actually contacted us with a moving letter about his recovery which is what inspired us to ask him to be on our podcast.  On today’s show James tells the story of how he started using drugs at age 14, and was an addict until age 27.  He got into debt, but he turned his life around, as he explains on today’s show.