Down on his luck
James McAllister, a 40-year-old former small business owner, had fallen on hard times. The financial downturn had ravaged his thriving construction company, reducing it to little more than a pile of debt and broken dreams. As his company crumbled, so did James’ life. His savings were depleted, his home on the brink of foreclosure, and his wife and teenage kids barely masked their worries behind hopeful smiles.
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