The first I knew of our money problems was the day I went home early from work, suffering with a migraine.  It was unusual to see mail on the doormat, as John would normally deal with it before I came home.  As bad as my headache was, I could not help noticing the words “Final Demand” were peeking out of the window on one of the envelopes.  My curiosity got the better of me and I opened it.