This case follows a man named Jaime as he considers options for obtaining furniture for the new apartment he and his brother, Angelo, have leased. Jaime would like a new couch, a coffee table, and a TV to improve their living room, but his $2,000-a-month income at an auto shop and lack of savings means he will have to make some difficult choices. Angelo suggests that Jaime construct a budget and only acquire one piece of furniture at a time. Because he has no bank account, credit card, or credit score (to his knowledge), Jaime believes he will not qualify for some of the furniture deals advertised in the bigger department stores. As a result, Jaime explores rent-to-own financing, which does not require a credit check.