It’s a vicious cycle.. you have a LOT of debt and the more debt you have, the more and more it becomes because of interest rates, the increasing monthly payments, etc. What happens if you literally made a mistake (didn’t purchase any frivolous things or go on vacations, buy cars, etc.) and you just can’t pay anymore? You lose your house too, in a short sale or foreclosure because, again, you just made mistake after mistake and buried yourself deeper and deeper. What happens to you? Your business (self employed) also suffered for a long time, and you’re still not back on your feet. Can people really give you a hard time for just plain bad luck/judgement? The stuff on the cards is literally like.. groceries, sometimes rent, mechanic, insurance, other credit card bills, utitiles, etc.. It’s just added up over the years. Oh ya, and at least 10k spent on renovations, as well as at least 10k in loans (to a relative that never paid almost any of it back)..