#1. It is better to go into credit-card debt, however deep, to get one's car inspected and repaired than it is to let the inspection expire. A constable will eventually find you.
#2. Paying off one's credit card to be "debt-free" is a bad idea. Being "debt-free" is always temporary and only serves to make the next necessary debt more painful.
#3. Man cannot live on bread alone. And in Dallas, even if a man's rent is $400 a month, he cannot live on less than $1000 without either a Visa card or food stamps.