People are living above their means ....simple as that....now when times get hard they want to cry....I'm sorry but you should of thought of that before you got into a heavy debt life style way above your means.....now its gonna hurt. We all make choices.......credit has ruined many lives financially...its up to you to manage it properly.
I hope these people make it through & adjust to whats happening asap...the time to prepare for this was past due.
All of our situations are different & only you can make the changes hopefully for the better.