What's the answer? One answer is Debt Consolidation, combining your bills and making one, lower payment. This can solve the problem for many people, and it's what a lot of us would like to do. No one is trying to evade their obligations, but when income is slashed or virtually nil, just living is a struggle. Debt Reduction just could be the solution. Having creditors voluntarily reduce the amount you owe and then spreading out the rest in monthly payments that you can afford could save you from bankruptcy.
There are a lot of choices, and Debt Settlement isn't for everyone, but it is one solution to a very complicated situation. No one wants to reach this point, but when we do, it's nice to have some alternatives.