I am a well educated young man from a reputable college in the heart of New York City, who graduated in Banking and Finance. I had a wonderful job with an Investment Banking Company in Wall St that went out of business because of insider trading allegations. At this period of employment with this wonderful company, I was living a wonderful lifestyle on the Upper East Side of Manhattan in my own condominium. I lived in that apartment for another 6 months without a regular income that exhausted my savings and checking accounts. Because of the condition, I was unable to meet my financial obligations of my apartment which made me to sell off my condominium at a reasonable price. I then moved to Jersey City in New Jersey because of the size of the one bedroom apartment to accommodate my belongings. This was where all hell broke loose.