In the United States, consumer debt is at an all-time high. Many individuals and families bought expensive homes with unconventional mortgages during the real estate boom and have maxed out their credit cards along the way. Now that the housing market is cooling, unemployment is up in some areas, and even Alan Greenspan has prophesied the coming of a recession, consumers are feeling the pinch. It's becoming more difficult for people to meet their monthly obligations, which can lower their credit scores and begin a downward spiral. As a result, many people are unable to obtain loans from traditional lending institutions.
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