Had a call from a friend/client this morning who said she was in trouble. I will change the names to protect the guilty. “Trouble” to Michelle meant she had accumulated a rather large balance on her credit card. Worse, she told her husband Saul she had been paying it down when in fact she hadn’t made a payment in months. A statement came in the mail and he, not being the trusting sort since she is not a year out of rehab, opened it. (read more…)

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