This case file follows a fictional but representative business through a debt consolidation decision. It is structured the way an advisor might document a client engagement: situation, diagnosis, options, decision, and results. Figures are illustrative. 1. The Situation Business: Family-owned auto repair shop, eight years in operation Annual revenue: About $1.1 million Owner: Second-generation operator with solid industry experience Presenting problem: “We’re busy every day, but there’s never any money in the account.” Over the