Ok, so here's my story. It all starts back in about 1998. Before I married my now ex, I worked at a department store, where I got my first credit card. I only had a $200 limit and it was always maxed out. After we got married, I quit my job and then I became addicted to spending, whether it was on Ebay or whatever. I was a depressed, stay-at-home mom to a then 1 year old. Everyday was just a going through the motions sort of thing, living in a small two bedroom apartment in a complex that was for low income families.