For a small operator like Warfield, it makes sense to keep going the way he has.

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" Spokesman Nelson Warfield said he briefed Dole about the verdict and that Dole had "virtually no reaction.

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Counselor Eric Jackson helped Warfield analyze her bills and expenses and created a plan to help her get lower interest rates.

CNN: Digging out from $80,000 in debt

Only nine of the pole winners in the first 54 Daytona 500s won the race and no one has earned both victories since Dale Jarrett in 2000, NASCAR spokesman Scott Warfield said.

CNN: February 18, 2013 -- Updated 1912 GMT (0312 HKT)

But they go to the back of the pack if they wreck their cars in the qualifiers, or at any time before Sunday's race, and have to switch to a backup car, Warfield said.

CNN: February 18, 2013 -- Updated 1912 GMT (0312 HKT)

So Warfield took matters into her own hands.

CNN: Digging out from $80,000 in debt

"I don't even have to think about it, which makes it a lot easier for me, because when you have a lot of debt, it's not just financial, but it's emotional, you know, even physical, " Warfield said.

CNN: Digging out from $80,000 in debt