Jackie’s story begins with a promise she made to God decades ago. She and her husband had a strong income and tithing was non-negotiable.

“God had shown me pretty firmly that if I would give to him what was his, he would make sure I always had enough,” says Jackie.

In 1997 her marriage ended, and later that same year she lost both of her parents. She started coping through retail therapy.

Jackie recalls, “I might feel down and so I would get in the car and go to the department store and I might buy clothing or something for the house and that would make me feel good for a little bit. I would do that whenever I didn't want to cope with life.”

She maxed out multiple credit cards. One month at a time, the hole deepened.

“I was not only using the credit line, but also incurring then the c

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