RICH ADDICKS/AJC STAFF
Three days before Christmas, Felicia Scrubb's car was repossessed to cover a $450 loan whose monthly interest hit $112.50. On this January morning, the 1980 truck lent by a friend wouldn't start, so the Clayton County mother of three — (from left) Dakwan, 1, Deshaun, 3, and Demarcus, 6 — walked Demarcus to school but could not get to her job.

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