I really understand why so many Americans are in debt now. Maybe we are in the worst situation economically that's why all of these things are happening but we know with good faith we can all make things better again.
Foreclosure and credit card debts are two of the most common things today. If you too have the same problem, don't be scared that the world would end this way. There are things that you can do to be out of debt and live you life happily again. I think you need to click the link to credit counselling so you will know how to handle things like these. I have heard about debt consolidation; and this is the easier way so you don't have to choose bankruptcy to be free from debt.
If you are interested of debt consolidation, click the link to learn more about how they consolidate peoples unsecured debt into one low monhtly payment. This might be the way for you to be free from debt again :)