When Jack Dawley returned in 2007 to his hometown, Norwalk, Ohio, after eight years in prison and on parole in Wisconsin, he knew getting by would be difficult. He had a felony conviction and a history of past drug and alcohol abuse, although he’d been sober since 1999. He was unprepared for another obstacle, however: A few years later, he would keep landing in debtors’ prison. Dawley did all right at first.