That was truly a close shave for Dawn.  I mean, she was very close to declaring bankruptcy.  She couldn’t pay any of her utility bills, nor her dad’s funeral bill, which somehow her brother and sisters saddled her with.  Messages from these collection companies started to arrive in the mail, threatening her with larger fines and with imprisonment if she didn’t come up with a certain amount of money in a certain amount of time.  Dawn called me in tears one evening, on a day that she got not one, not two, but three of these letters in the same day.  She was beside herself: she works six nights a week at the roadhouse out on 35, and makes only a handful of cash, most of which goes toward groceries and maybe 200 bucks a month for living above Grace’s hardware store.  Grace is very generous about the rent because she knows Dawn is young and pretty much on her own.  She pretty much looks after her like her mother did, when Dawn was real little.  I asked Dawn if she had said anything about the bills to Grace, and she said, not yet.  So I decided to take matters into my own hands, and got Dawn set up with a guy over in Sevierville who deals with the FDCPA folks in Chattanooga.  Because of the distances in travel and everything, this procedure will probably take at least a few months.  I told Dawn to tell Grace everything, and maybe between me and Grace we can help her out until she can get the protection she needs.