Sam Keys finances his business the way many people with excellent credit scores do: with credit cards and loans. While the banks and financial institutions extend him credit far beyond his ability to repay should he ever lose his company revenue, business is thriving and Keys isn't worried.

Then the economy flatlines. Keys's clients go bust and cannot pay his fees. He's forced to rely on his credit to stay in business while desperately hoping the economy improves. When it doesn't, Keys finds himself staggering under crippling debt-some of which he suspects doesn't even belong to him....