You may be wondering how does debt suddenly appear, then multiply like rabbits and then run you over like a train.  Well it’s quite simple it takes A + B to equal C (in this case D for debt). An event takes place that triggers another event to occur and then the combination of the two is the end result of it. For example, a brainless idiot cheats on his wife, gets caught, is booted out, left homeless, rents a 5-star hotel or sleazy motel (depending on what is available on his credit card) for the night or month, and next thing you know is involved in a long-battled divorce action and is now owing huge amounts of legal costs, alimony and child support for all his trouble. Of course this is an extreme case and most don’t need to resort to these measures to get themself deep into debt.

Debt overload can be caused from various circumstances from a job loss to overspending habits. Once there it isn’t easy to get out of and you have to scramble for solutions to reduce or eliminate it…or pray it goes away.