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Debt is a growing problem in the current economic environment. During the housing boom and economic upswing a few years ago it was increasingly easy to qualify for mortgages, credit cards, and car loans. Falling housing values, rising mortgage payments, and the economic downturn have forced many Americans to rely on unsecured lines of credit for sustainability and have left many feeling burdened by high interest rates. Reliance on unsecured credit is causing an increased number of people defaulting on loans and filing bankruptcy.

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