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Financial difficulties are incredibly common in our society.
Approximately 10 percent of households filed bankruptcy during the 1990s and another 10 percent sought outside assistance from credit and debt counselors. In fact, an estimated 2 million households will seek credit and debt counseling assistance this year alone. Their average monthly debt payments, excluding housing costs, will equal 77 percent of their gross income. These statistics mirror the economic picture of Americans at large. Record stock prices and employment levels haven't slowed key problem indices.