Last summer (2011) I was in a bit of a pickle. I had recently moved into a new place where rent was low, but the power needed to get changed into my name. I had a bill from a previous place that I'd been trying to dispute, but they wouldn't turn on the power unless I totally capitulated and gave up on ever contesting the supposed debt I owed to PSNH. So I had to accept defeat on that point, but figured I could pay it off over time.
No such luck. They demanded a payment of over $500 just to keep the power on. In fact, they were sending someone out to cut off the power when I was finally able to get enough loans to keep it on. Thankfully, I was able to talk them into waiting until the next day, which enabled me to beg and borrow enough to cover that. This debt is part of that.
Kate has graciously asked me not to repay her, but to instead donate to a good cause. I'm hopeful that I can do so soon.