If I learned one thing in the last year, it's that falling into debt can happen to anyone.

Luckily, I heard about the ISI, the Insolvency Service of Ireland.

Their professional advisors can help you restructure or even write off your debt.

The first thing they said to me was every debt problem has a solution.

I can still feel the relief.

So if you're worried, visit their website back on track.I.e.

Or free text, get help to 5015.

The ISI, together, we'll get you back on track.

This is an initiative of the Government of Ireland.

Happy Halloween time.

I'm Roz Hernandez. I'm a comedian and the host of the paranormal comedy podcast, ghosted by Ros Hernandez, produced by Starburn's audio. On my podcast, I talk to famous people, comedians, experts, and listeners about all things paranormal. We're talking, Ouija boards,

polter guys, aliens, psychics, demons, bigfoots, and of course ghosts. My podcast is weekly

all year long and I've got over three years of episodes currently available for all your

spooky needs.

Recent guests include Patton Oswald.

But it felt like the minute I walked away from the monitors and I couldn't see anything,

that's when the ghost started moving around.

Naomi Ekparrigan.

A ghost isn't like somebody, it's not like a return.

It's like somebody who was like, I don't feel like leaving.

And Chris Culfer.

Whatever it was, slowly just disappeared.

...