Michael Hall, the proud owner of this smooth red S-10, knows firsthand what it means to be deep in debt. His truck was originally purchased in October 1992 for $4,200. Over the years, he's swiped his debit and credit cards to the tune of $16,500 to build this trophy winning truck. The purpose of the buildup began as most projects do: Michael wanted a truck he could drag, cruise, show, and have fun with. Sometime after he bought it, the interest on his credit cards must have caught up with him. But fear not, he's doing just fine.

For Michael's first endeavor, he enlisted Conceptual Imagez to lay the frame to the floor by installing Belltech drop spindles up front in combination with Firestone airbags. With the front end laid just right, he turned his attention to the rear of the truck. A custom four-link setup paired with Firestone airbags and a C-notch put the rear of the truck deep into the weeds. Then Terry Cummings Racing Engines gave the four-cylinder engine a little get up and go by porting, polishing, and deburring the heads and block and installing a Competition Cams camshaft.

Next, the body of the truck was revamped with a Street Beat ragtop to let in the sun, and a Checkmate bed cover was added to close off the open-bed area. Before he started doing real bodywork to the truck, Michael also added an AIM Industries grille shell. He soon found himself ready to do the majority of the work that would serve to give his truck its identity. Michael began by shaving the truck's body seams, the cowl panel, door handles, bumper bolts, and the gas door, and he molded the tailgate and steel roll pan.

After his debt-machine was as smooth as a newborn's butt, Michael had T.J. William's Body Shop spray his baby down with DuPont Brilliant Red, with a pint of Red Pearl mixed in for added bling. Interiors by Ed wrapped the '98 S-10 seats and the entire dash in gray tweed and leather.

Keep in mind that Michael's truck has been a work in progress for about 10 years. When you add up all that he's done to the truck over time, his license plate "DPN DEBT" stands as a firm reminder to each and every one of us that nothing is ever free.

The LowdownWheels/Tires: 18x8-inch Boyd Coddington Fury wheels with a 4-1/2-inch offset / Yokohama Parada 225/35R18 rubber

Suspension and Chassis: Cross-drilled rotors from JC Whitney / painted suspension components / custom chassis with 2x4-inch boxed tubing / Belltech drop spindles up front / Gabriel shocks with custom mounts up front / Firestone airbags all the way around / electric valves / custom four-link setup

Body Mods: Fiberglass cowl-induction hood / AIM grille shell / custom front bumper / shaved body line / shaved cowl panel / shaved door handles / shaved bumper / shaved gas door / shaved taillights / molded and shaved tailgate / molded roll pan / relocated fuel-filler door / Street Beat ragtop / Checkmate tonneau cover

Paint: DuPont Brilliant Red with a pint of Red Pearl sprayed by T.J. Williams Body Shop

Interior: Billet Specialties steering wheel / '98 S-10 seats wrapped in gray tweed and leather / Interior by Ed's Interiors of Mitchell, Indiana

Stereo: Alpine head unit / Alpine equalizer / Soundstream amplifier

Engine and Performance: Machined by Terry Cummings Racing Engines / ported, polished, and deburred / Competition Cams performance cam / relocated battery to bed / Flowmaster 2-1/2 inch exhaust

Special Thanks: Chris and Mike Atchison / T.J. Williams Body Shop / Interior by ED / Michael's wife and two kids for all the headaches / Immaculate Collection / all of Michael's friends for helping with his truck