Credit advisers are trained as consumers struggle with debts.

The caller had just set on fire. Now he was in his car in Jefferson City, Mo., terminal with a gun on the seat beside him.

He called his advisers on a cell phone and said he wanted the deduction on the sidelines.

He was adviser to the debt. Creditors, owed to the man and employers, canned him.

The Counselor quickly proposed to write letters to employers man, woman and creditors to declare that payments on time _ sometimes even earlier. It was a moment of silence until the man came on the phone crying. Finally, he passed his pistol to curl down and insert it into the trunk.

This is not a unique story.

While suicides are often the result of depression and other mental illnesses, debt can be a symptom and a triggering event. “I have five or six clients to suicide,” said Phil Johnston, chairman of the Consumer Debt Counseling Inc. in St. Louis.’s Extensive branch network is here as Consumer Credit Counseling Service, or CCCS.

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