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Roy is a compulsive debtor and under-earner.\xa0 His first debts were incurred during his childhood, as he would borrow a couple of dollars from his parents who never required him to repay these \u201cloans\u201d to their child.\xa0 And Roy now thinks that\u2019s how his bad relationship with money began.\xa0 But things got worse after the terrorist attacks of September 11, 2001.\xa0 He worked freelance and after 9/11, in New York City, many of his accounts he neglected collecting went bankrupt.\xa0 Soon, Roy found himself without income and behind on the rent.