Like many folks out there I spent a good amount of my time at college doing two things; drinking and racking up debts. I previously detailed how in my mind a single purchase started me down this dark path in the post Bad Spending: How a Single Purchase can Ruin Everything.
By the time I was 22 I was in a lot of debt with no clear way to pay it back. I fell behind… way behind. I would get calls early in the morning and late in the evening about these debts. It was a mess.