Okay here's my story...
my parents purchased a house. We were living in apartments that were substandard. I lived below and they lived above, but moving into the house took every dime we had.
I was working a good job until I threw out my back and was diagnosed with spinal stenosis, I couldn't work for 2 months because of physical therapy. In those two months I became in debt. 6 months prior I had taken a loan to buy a vehicle for my parents.
I had my debts taken care of for a while.