Reid was 17 years old when he finished high school early and enrolled in Western State University, located 200 miles from his home. He took 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 used car, signing a contract to pay for it over 24 monthly installments. He also signed a 6-month lease to rent a one-bedroom apartment. After four months, and just one week before his eighteenth birthday, Reid drove the car into a tree, totaling it, after allowing his insurance to lapse. He then moved out of his apartment and into a friend's apartment. At the time he moved out, Reid was one month past due on his rent. Reid wants to disaffirm the used car loan and the apartment lease