Conrad Goetzinger and Cassandra Rose struggle to pay their bills as $760 is garnished from their paychecks every two weeks by debt collectors. Twice, Goetzinger's bank account has been emptied by collectors after he failed to payoff a loan for a laptop.
Eric Francis/AP for ProPublica
A soldier guards a pipe en route to the Kawergosk Refinery near Irbil, the capital of the autonomous Kurdish region of northern Iraq, in July. Fighting in northern Iraq forced the closure of the country's largest oil refinery, Baiji, and cut production from the Kirkuk oil field this summer.
Safin Hamed/AFP/Getty Images
Kevin Evans relaxes in his small apartment after arriving home from work. Evans, who lost income and his home in the recession, is now having his wages garnished after falling behind on his credit card payments.
Colin E. Braley/AP for ProPublica
Apple CEO Tim Cook speaks in Cupertino, Calif., on Tuesday. The company unveiled a new mobile payment system called Apple Pay, which uses security built into the latest iPhones.
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