Lisa Engelkins was a single mom making $7 an hour at one of her jobs, and it just wasn't enough. So she went to a payday lender and before she knew it, was trapped paying off the same loan for nearly 2 years. She eventually clawed her way out of debt and is now a credit and housing counselor in Winston-Salem, NC. Alba Onofrio used to authorize the kinds of loans people like Lisa needed. While Alba didn't like the fact that such loans can overburden people, she makes the point to Dick Gordon that some people have no other option, and that imperfect help is arguably better than none at all.Also in this episode, Colleen Barbus was close to her grandfather, or Grandpap as she used to call him. He was the family protector and had a wonderful sense of humor. So when he became terminally ill on the cusp of her long-awaited trip to Chile, she needed some convincing by him to continue with her plans.