Reid was 17 years old when he finished high school early as well as enrolled in Western State University, located 200 miles from his home. He acquired a job as a barista at a local coffee bar part-time in order to earn enough income to be self-supporting. He bought a second-hand car, signing a contract to compensation for it over 24 monthly instalments. He as well signed a 6-month lease to rent a one-bedroom apartment. After four months as well as just one week before his eighteenth birthday, Reid drove the car into a tree totalling it after allowing his insurance to lapse. He formerly moved out of his apartment and into a friend's apartment. At the time he moved out Reid was one month past owing on his rent. Reid wants to disaffirm the second-hand car loan and the apartment lease