When Mullins won the US lotto in 1993, she opted for yearly payouts instead of a lump sum, reports MSN.

She quickly found herself in debt, using future payouts as collateral for a $200,000 loan.

Mullins later switched to a lump sum payout, but never paid back the debt. The loan company filed suit and won a $154,000 settlement that was all but worthless — Mullins had no assets.