Attorney Leslie Owen greeted her client with good news last week: A fine for driving with a suspended license had been dropped in Grant County, wiping out $1,500 of what Teresa Nisbet owed. The two celebrated the latest step out of a hole Nisbet had dug with credit cards, payday loans, drug use and bad luck. Nisbet recalls how she felt at the bottom of that hole: “I can’t see the light. I have no hope.”