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    t,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had b
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    They were both just twenty-five, married for two years, and the financial noose of heavy debts was already closing in on them. They were over twenty thousand dollars in debt. This included angry creditors, harassing phone calls from collectors, and no one to bail them out.

    “The truth is I saw it coming, and maybe I was even an accomplice,” says Janet Listman. The Listman's live in one of Los Angeles' more affordable outlying communities, popular with young couples. “A few weeks after our wedding, we were visiting with a family who had just made major renovations and purchased new furniture. My husband kept whispering. “Look at that plasma TV. We should get one like that,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had be

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    in debt. This included angry creditors, harassing phone calls from collectors, and no one to bail them out.

    “The truth is I saw it coming, and maybe I was even an accomplice,” says Janet Listman. The Listman's live in one of Los Angeles' more affordable outlying communities, popular with young couples. “A few weeks after our wedding, we were visiting with a family who had just made major renovations and purchased new furniture. My husband kept whispering. “Look at that plasma TV. We should get one like that,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had b

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    omplice,” says Janet Listman. The Listman's live in one of Los Angeles' more affordable outlying communities, popular with young couples. “A few weeks after our wedding, we were visiting with a family who had just made major renovations and purchased new furniture. My husband kept whispering. “Look at that plasma TV. We should get one like that,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had b
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    were visiting with a family who had just made major renovations and purchased new furniture. My husband kept whispering. “Look at that plasma TV. We should get one like that,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had b
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    t,” or, “Look at that great living room set, I want it.” We were both in our twenties. I did babysitting and my husband worked for the US Postal Service. These people had been married nearly twenty years and he was a successful businessman. But somehow, we thought we could be like them.”

    It started with expensive jewelry for our wedding anniversary and birthdays, the new SUV for our vacation trip, and the new glass enclosed living room wall unit and sectional sofa, all purchased on easy payment terms. Then the baby came, and it was “Only the best for our little princess.”

    And the money?

    “That was the easiest part,” Janet continues. “My husband quickly learned to manipulate credit cards and loans. The first $5000 worth of credit he acquired was so easy. It made him heady and thirsty for more. And I got such a lift every

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