The story is simple. I had a full time job, 20k a year decent for a kid right out of college. Stayed thier for 3 years till i decided to go back to school in a different state. Well got here and tried to find a job but no one was replies. Finally i got a job after being down at school for 6 months, only to find out my boss was giving me a terrible reference, so 6 months worth of credit card usage without really paying much of it off is where i sit today. since then its just been snowballing.