Her demanding boss, Dawna, is getting closer and closer to saying the “f” word — fired — because Lenora has lost interest in her job and has been habitually tardy and inattentive. But Lenora can’t afford to lose her job because her decade-old car needs numerous repairs and is on the verge of failing her completely and her small condominium’s market value has plunged below the principal balance of the mortgage. Worse, the mortgage’s adjustable interest rate has recently caused the amount of her monthly payment to increase, and she has a stack of credit card bills that she cannot pay.