How we accumulated debt?
21/2 years ago my husbands father died suddenly ad he owned a small country store. Well his wife, my husbands mother had adopted 3 children before this (all toddlers) and couldn't run the store. The bank was about to foreclose on her and she told my husband she would also loose her home.
He decided to buy the store to help her and thought possibly it would be a successfull investment to our future.
Well the bank we worked with was awful, the debt we accrued as we tried and tried and kept trying to make the store work (it was failing as his dad died) was huge.