Roy is a compulsive debtor and under-earner.  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 “loans” to their child.  And Roy now thinks that’s how his bad relationship with money began.  But things got worse after the terrorist attacks of September 11, 2001.  He worked freelance and after 9/11, in New York City, many of his accounts he neglected collecting went bankrupt.  Soon, Roy found himself without income and behind on the rent.