Combination of spending too much money on myself and taking too many short term loans. Eventually I needed more loans to stay afloat, and then when my settlements were going entirely to loan payments, I knew I was done. Well before that point I tried refinancing through a traditional bank/credit union and nobody would touch me.

The night of that worthless settlement I started looking for a job back in trucking, there was a job fair for a local company the next morning, and I ended up there for 1.5yrs.