IdeoPay 2025-09-18T11:49:53Z
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Water. Everywhere. That's all I could process when the basement pipe burst at 2 AM on a Tuesday. I stood ankle-deep in freezing floodwater, phone flashlight trembling in my hand as I scanned for the main shutoff valve. The plumber's voice crackled through the speaker: "$1,200 upfront or I turn the truck around." My stomach dropped like a stone. Payday was four days away, my checking account showed $83.17, and maxed-out credit cards laughed at my panic. That's when my thumb instinctively swiped t