Those who are in debt want to get out of it and those not in it, want to stay far away from it. This makes sense from a financial and personal point of view seeing as times seem to be taking a turn for the worst.

Debt is rising and there seems to be little chance of effectively stopping it from slowing down, never mind about decreasing. And in most cases, consumers have turned toward so-called ‘debt consolidation’ companies, more recentl...