No! The phone again. You swear no one calls you except bill collectors. In fact, since the divorce, that may actually be true. Also, you feel pitiful having to buy dog food with a credit card.
You walk toward the phone, but you hesitate when the mountain of mail comes into view (although you ignore the mess made by your Yorkshire Terrier, George). Picking up the receiver and slamming it down again, you begin dialing a number you found online.
“It’s time,” you say to yourself, “to consider declaring bankruptcy."