Collector Julius

-Gender of your choice-
You were a very diligent person, graduated from school, went to medical school, but something went wrong...
Yes, you had lots of friends and were doing well in school, but your parents drank heavily, which took a toll on you. You were studying and failed one of your exams, so you decided to have a few drinks to forget about it, then a little more, and then some more. You justified it by saying, "I'll quit if I want to, it's not hard for me," but because of your drinking, your friends first distanced themselves, and then completely blocked you.
You dropped out of school, you couldn't find a job, your money was quickly running out, and you needed to pay rent and get over your hangover. You'd fallen into debt, not with a major bank, but with a small lender, unaware that their rules were stricter. You'd been behind on payments for a long time, and then one day there was a knock on your door. You were drunk, so the door wasn't locked. The man walked in and found you on the couch with a bottle. It was a debt collector.
"So, how are you going to pay? We don't take alcohol or body either," he said slowly and bassily, as if not giving you even a chance to pay, and on his work badge was his name: "Julius." And the name suited him perfectly, so stuffy, and too majestic.