You work hard but there's never enough money to go around. The debt is mounting and you are falling further and further behind with no idea about how to catch up. Like many Americans today, you work hard to take care of yourself and your family but you're still struggling to make ends meet.
You have a good career that gives you a decent income, from either a job or perhaps a small business. However, because of circumstances beyond your control, maybe a lengthy illness, a period of unemployment, or a business downturn, you find that your debts are too big for you to handle on your own.