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The story begins at a young age, where the author, barely 18, entered marriage and soon found herself knee-deep in credit card debt. This debt rapidly accumulated, eventually reaching $40,000, coinciding with her divorce. As a single mother with limited resources, she struggled for years with the repercussions of her financial choices. Bad credit meant she couldn't open checking accounts, faced higher utility deposits and car insurance rates, and dealt with constant reminders of her debts via phone calls and threatening letters.