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Digging out of foreclosure—my credit comeback story idea

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(@buddyking250)
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So I was thinking about a scenario for a short story or something, maybe you guys can help flesh it out. Imagine someone named Rick who just went through foreclosure, lost his home and all that. He's now living in this tiny apartment above a pizza joint (free smells, but the noise...ugh). Anyway, he's determined to rebuild his credit score from scratch, but every step forward feels like two steps back—you know, unexpected bills, old debts popping up outta nowhere, shady debt collectors calling at weird hours.

Maybe Rick stumbles on some quirky online community full of people who've been through similar experiences. They swap weird tips and tricks for boosting credit scores and getting back on track financially. Could be funny, could be heartwarming—maybe even throw in a bit of romance when Rick meets someone who's also fighting their own financial battles.

What else could Rick run into? Any funny or relatable ideas for characters or situations he might face along the way?

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