There are times in life where nothing seems to go right. One problem after another lurks in the near future. Each one has something to do with just not having enough money to handle everything you need to cope with. You feel like “the goalie on the dart team.”
Then you get pulled over by the police while driving. Either there is a ticket for a moving violation, a driving without insurance charge or a drinking driving charge… Or all three.
You go to municipal court, end up being found guilty and get hit with fines, a possible suspension of your driver's license and points for moving violations. You pay the fines, serve any suspension – while paying others to give you rides – and hope life will get better once you are through this tough time.
Perhaps, because your work requires that you drive, you lose the job. You are having trouble paying your bills on time and maybe cannot pay them at all. The debt collectors are your new best phone friends.
Then one day you open your mail to find the New J
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