Trish doesn't have many places to turn. She's living at her elderly father's home without a job because she can't afford the care he needs. And every day she says the balance sheet seems stained with more red ink.
"It's all outgoing. There's nothing coming in, that's for sure. And I'm stuck in a rock and a hard place because of my credit, so I don't — I need to make enough money that I can afford to live somewhere," she says, voice quavering.
Across from her at the table, David Perez nods quietly and takes notes.