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24-25), but the thing is Ann did not point fingers of blame at anyone, she excepted that she got herself into the situation that she is now. Even though she knew that the credit card companies rates were high she made the option of using them, but that is not because she had a choice or not but only because she had to...
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The lease on Ann truck was about to expire and her ex husbands child support of $100 was about to stop because her daughter was about to turn 18. Ann only had one option left which was bankruptcy but then she found out that she was too poor to file, so Ann had last option was to stop paying her credit cards, and loans so she could save up to go bankruptcy...
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