Ray Lee is having a rough time. Ray works for a major corporation called Muture which is not doing well, due to some big class law suit problems.. Also, Ray was injured after falling off of his roof while cleaning the gutters causing him to miss some work and, some income. At home upset Ray decides to do some holiday shopping. Believing that his company will turn the corner when he gets back to work, Ray decides he will purchase a brand new Chevy on their website for his son. In order to finance the purchase, Frank receives a line of credit from Chevy and pays a small down payment. Ray then receives a doctor bill saying that he owes the full amount for his treatment and that insurance was declined. He goes in the next day to discuss this with his manager only to find out that because of his time off from work, he has been terminated. He gets home and finds out that the check he has provided for the first payment on the Chevy has been returned for insufficient funds.

Unemployed, with bills piling up and feeling desperate, Ray finally picks up the phone and calls a trusted Attorney. What kind of advice do you think he might receive to better his current situation?