For Sedrick, growing up as a gay teen in rural Alabama wasn't easy. "Life was a little bit tough in respect to my sexuality," he says. At the age of 17, Sedrick says he started a destructive pattern of accumulating debt. "It's not that I couldn't pay the bills at the time, but for some reason I just didn't pay them. It's almost like to me an addiction," he says. "My question is: how do you guys suggest approaching stopping this vicious cycle?"