you may be making late payment now a days or probably become default in credit. All this happening because you may have lost your job or become redundant. If you are self employed, may be not making enough to cover the cost.

Have you been affected by recent bailout by govt or cuts in public finance? Has recession somehow gone through your door?

Well in capitalist countries, whatever happens in economy, some people will still make money and become more richer. some will loose no matter how they trying to cope or trying to survive . There is no other alternative apart from democracy (the other name capitalism) when we saw how socialism falls in from of our eyes.

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