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... shadows over the cluttered bills spread in front of her. She rubbed her tired eyes, trying to focus, but the figures were blurring together. The past few months had been one long string of unpaid dues, missed calls, and constant reminders that she was barely keeping her head above water.

The most recent bill, a hospital statement from her mom’s care, sat in the center. A substantial sum had been accrued, and the note at the bottom was clear: Final Notice. The hospital wanted their money ...

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