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I had been working for eight years and all I had to show for it was this horrible debt. At one point we had the bailiff at the door.

With three kids, it was always very, very tight, and it was always a scramble for what was my next job. So I learned never to go into debt because I don't want those monthly payments to preoccupy my thoughts.

In one week, I went from being a girl who owed a guy thousands of dollars - my manager Anthony was paying for my outfits, paying for my food; I was sleeping in his parents' basement - to taking meetings with every major label in America. The next morning, I had a record deal and wrote him a cheque to pay back all that money.

I have never had personal debt and never will.

Garnishments tend to happen when people hide from their debts and stop making even minimum payments. Eventually, creditors sell the debt to a collection agency.

My husband used to take care of the business part of this, and after he died I found I wasn't really any good at it. I hate remembering who owes me what and bugging them if they haven't paid me.

It is very iniquitous to make me pay my debts, you have no idea of the pain it gives one.

There are lots of families who - who make irresponsible purchases. There are also a lot of families who have debt on credit cards because they use those credit cards to pay for medical bills.

When you owe money to people, you're always going to owe money to people, so you should take care of it as soon as possible. It doesn't go away just because you ignore it.

Speak not of my debts unless you mean to pay them.