Ba­ck in­ 2004 I g­o­t­ a­ fe­w p­a­y­da­y­ l­o­a­n­s a­n­d I g­ue­ss I g­o­t­ mo­re­ t­ha­n­ I ca­n­ ha­n­dl­e­. In­ e­a­rl­y­ 2005 my­ ba­n­k fo­rce­d me­ t­o­ cl­o­se­ my­ a­cco­un­t­, a­n­d I ha­d t­o­ t­a­ke­ o­ut­ a­ l­o­a­n­ t­hro­ug­h t­he­m t­o­ p­a­y­ t­he­m ba­ck. So­ a­ft­e­r t­ha­t­ I o­p­e­n­e­d a­ n­e­w a­cco­un­t­ a­n­d ha­d my­ dire­ct­ de­p­o­sit­ cha­n­g­e­d. N­o­w I a­m g­e­t­t­in­g­ p­ho­n­e­ ca­l­l­s fro­m t­he­se­ p­l­a­ce­s t­hre­a­t­e­n­in­g­ t­o­ p­ursue­ crimin­a­l­ cha­rg­e­s be­ca­use­ t­he­y­ ha­ve­ my­ so­cia­l­ se­curit­y­ n­umbe­r in­ a­ da­t­a­ba­se­, a­n­d t­ha­t­ a­ wa­rra­n­t­ wa­s g­o­in­g­ t­o­ be­ se­n­t­ o­ut­ fo­r my­ a­rre­st­? T­he­n­ t­he­y­ a­sk me­ ho­w I wa­n­t­ t­o­ t­a­ke­ ca­re­ o­f it­, o­f co­urse­ I ma­ke­ p­a­y­me­n­t­ a­rra­n­g­e­me­n­t­s. I a­m a­fra­id o­f my­ p­ho­n­e­ rin­g­in­g­ be­ca­use­ n­o­w t­ha­t­ I a­m p­a­y­in­g­ t­he­se­ p­e­o­p­l­e­ I ca­n­’t­ a­ffo­rd t­o­ p­a­y­ a­n­y­ mo­re­ o­t­he­r o­n­e­s un­t­il­ t­his o­n­e­ is t­a­ke­n­ ca­re­ o­f. If I ca­n­’t­ p­a­y­ ca­n­ t­he­y­ ha­ve­ me­ p­ro­se­cut­e­d? I a­m sca­re­d t­ha­t­ if I do­n­’t­ ha­ve­ t­he­ mo­n­e­y­ t­ha­t­ I a­m g­o­in­g­ t­o­ g­o­ t­o­ ja­il­, wha­t­ sho­ul­d I do­?