Someone stopped on the road ... a big fear in my life.

If you're like me and in severe, crippling debt, then you can probably relate to this ... someone's stopped on the road outside and is looking around.

Crap, I'm about to be served with legal papers of some sort is always my first thought.

This is a daily fear of mine. Anytime someone drives by kind of slowly I watch out the window like some felon ready to bolt from the cops. It's tiring.

I also screen my calls. Chances are if you're calling from an 800 number I'm not going to answer.

Definitely not proud to admit that. It's just sort of habit now. I really want to break this habit.

Car drove off. Bullet dodged this time. 

A little about me and my debt

I'm in debt. It's painful to say that because I consider myself kind of smart, but it's the truth. I'm in way over my head and it's scary.

I've been married for nearly 20 years and my first collection agency notice came probably like a week after my husband and I moved in together. We weren't even married yet. My husband should have ran while he had the chance.

Since then we've had repo-ed cars - several of them - lost a house to foreclosure, been sued on multiple occasions, and had collection agencies all over our asses for years. We even filed for bankruptcy about ten years ago.

And we're back where we were before the bankruptcy. Heck, we're probably worse off than we were then.