Are you days away from being evicted? Are you more than six months behind on your mortgage? Are creditors harassing you? Do you loath checking the mail? Do you wake up in the middle of the night, terrified creditors are at the door? Do terms like consumer debt settlement make more and more sense? Well, for what it’s worth, you’re not alone.

Like 85% of households in the US, you probably live from paycheck to paycheck. Should something happen and that next paycheck disappear, you’d be in ruins. Unfortunately, this is also all too common. Welcome to life in the 21st century. Not all you thought it was going to be, eh?

No one grows up to be a debtor. It’s something that happens while you’re busy making other plans. It’s something that happens while you’re in school, working hard to earn your degree in fine arts or poetry. You relied too heavily on credit and student loans to get you through, convinced that your brilliance was going to save the day.

Welcome to the rest of your life. While you may well be brilliant, turns out no one is willing to pay you for it. The days of sheer brilliance paying your bills and putting food on the table came and went with Pollack and Nash. That part-time job now means everything and I bet you’re wishing you had majored in something a bit more…practical.

Yes, you should have listened to dear old dad when he warned you. Now, your fall back isn’t mathematics or computer engineering. It’s the $9.00 an hour you earn as a cashier at Whole Foods. Not exactly the best recipe for getting out of debt or taking care of a family. Yes, that old drowning feeling is back and it’s here to stay.

You need to start paying attention to terms like consumer debt settlement and carefully weighing your options in life.

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