Why am I awake? What woke me up so suddenly?
As I reach for my phone, it vibrates again. A text message? What time is it even? I unlock it and squint down into the bright screen. 4 A.M. Becoming more irritated by the second, I open my text messages to see that my disturbance is an unknown number.
"What the hell..." I start.
"Do you have 10k or more in credit card debit?" It began. "Our debt relief program CUTS your payment and total debt by over HALF. No upfront fees. May we contact you?"