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You exactly what the bad debt dance looks like, anyone encountering this book does: New bills are coming in before you've cleared out those from last few months. You're surprised to find that the phone bill being unpaid. Somehow the dentist was never sent his check. You know what past-due notices look like for example. Your Visa and MasterCard bills include late payment penalties. The hardware store sends document from boehner telling you you're delinquent and requests that you signal a check at minute. There is more month left following your money, and payday seems distant. Worst of all, these things don't surprise you anymore.  
  
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