I was in over my head. I had lost my job due to downsizing, and I was forced to take a job that paid much less. I was used to a certain li9festyle, and I tried to maintain that lifestyle, although my finances would no longer allow it. I maxxed out my charge cards first. Then I started to get behind on many of my payments. I knew I had to do something. A home refinance saved me from bankruptcy. I paid off all of my bills witht hte equity I had built up in my home. Now, I have one affordable monthly payment.