I had just separated from my spouse and with two (2) small children. It was an incredibly stressful time.
With the loss of the second income, my debts were more than what I was making and I was missing the payments.
Shortly after that the collection calls started coming every day. After about two (2) months of calls, letters and constant worrying about debts a collection company called me at work.
There was talk about a garnishee of her paycheque, and knew she had to do something.