Hi, I’m Ruslan, a 32-year-old man who can’t figure out how to get out of a deep financial hole. When I was young, foolish, and full of energy, I was doing great with credit, making stable payments on my cards, with excellent credit history. I decided to buy a dirt bike with my credit, and long story short, I wrecked and couldn’t keep my position at work. This meant different wages, which made me not capable of keeping up with my payments. That’s when everything went downhill.