In his directorial debut James Scurlock lays out an uncomfortable reality that the world's wealthiest nation is swimming in massive debt. "Maxed Out" brings the credit card companies, debt collectors, and the federal government's policies into the spotlight.

The movie opens with a montage of news clips showing U.S. policy over the years with regards to money. Dan Rather announces that the U.S. has become a "debtor's country." Connie Chung reports that President Reagan is urging Americans to continue shopping and making purchases. Ross Perot explains at a press conference during his presidential campaign that the country is "used to being rich." George W. Bush announces that he's asking for taxpayers to fund a multi-billion dollar war in Iraq.

The film delves into credit card companies and how they target groups of people who may not be able to pay more than minimum payments on their credit cards. One example is people who have filed bankruptcy in the past. Another is college students, who may not be as knowledgeable of the value of money. Two mothers who took a bill through Congress to get credit card companies banned from colleges are interviewed. The major banks were sued by 30 states in 2004 for predatory lending practices, but were defended by the federal government's top officials.

We get an insider's look at how debt collection agencies work, and the insight on the tactics that are used. One debt collector offers this analogy: "We're like pirates on a pirate ship. You put someone out on the plank and you keep pushing them to the edge, but not over the edge. Then you help them back in and get what you want."

One negative aspect to the movie is that it sheds light on the problems, but does not offer any solutions on how to get on the right track. The editing professionally cuts between recorded interviews and old news footage. The interviews are interesting, and some emotional, as we hear from people whose lives have been damaged by depression and stress that debt can bring to families. Other interviewees include Elizabeth Warren who is renowned for her analysis on bankruptcy and other financial problems; Lifestyles of the Rich and Famous host Robin Leach; and radio host Dave Ramsey.

Admission is $3 (Free for Students) and will be at the Grand Ballroom at 191 High Street.