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There’s a moment, sometimes after the third envelope marked “final notice,” sometimes earlier, when you realise it’s not just a bad month. It’s a pattern. You’ve shuffled, borrowed, delayed, even convinced yourself that the overdraft is just part of modern life. But the anxiety doesn’t lie. You’re in trouble. Not theatrical, movie-style trouble. Real, daily-life trouble. The kind that makes you dread Tuesday morning when the bills get paid automatically and there’s more subtraction than addition.
In Texas, especially in cities…
