April 8, 2016. I’m not going into details today about the circumstances surrounding it, but this was a burdensome, heavy-hearted day in my life. An informal, undocumented loan was called due by text message at 3:30 AM, followed up by an email at around 4:30 AM, net seven days, mind you, so I applied online that evening to four different  reputable lenders. The next morning, my local credit union dumped fifteen grand into my checking account and it was official. I was the deepest in debt I had ever been in … Continue reading How we found ourselves $276,243.63 in debt