Mrs. Thomas twisted her fingers nervously in her lap. We sat at the kitchen table in her Vine City home, collection notices and court papers spread out before us.

“I wanted to pay the credit card bill,” she told me. “I knew I owed it, and I knew I was supposed to pay. I just didn’t have the money.” Mrs. Thomas called for legal help after she went to the bank to withdraw money and learned that her account had been frozen because of a garnishment.