But this isn't the kind of real-life tale screenwriters are scrambling to write. There's no prison time or debilitating medical conditions involved. In fact, Bailey's tale is, at its core, really quite commonplace.
Like countless Americans, Bailey and his wife Sue were in debt. A lot of debt.
Living in a House of Cards
It was 2005, and the couple had rung up approximately $92,000 in charges on their credit cards. At one point, they had 17 of them. (Story continues after slideshow)