Shawn Howell lives in Kentucky. Just before he went to Iraq, he and his wife felt ready to buy a bigger house for their family. Then Shawn came home and his adjustable rate mortgage got 'adjusted'. Even with Shawn working two jobs and his wife running a home business, they simply couldn't make the payments. They also couldn't sell the house. Also in this episode, Americans are burying themselves in debt--and that makes big business for debt collectors. Hank Babb has worked the job for 24 years, and has plenty of stories about how he gets all kind of people to pay up.