Some of your answers are pretty short sighted. We were making over $200,000 yearly about 3 years ago, husband has an accident at work and is now disabled. The company I worked for for 25 years was sold and they did not want to take employees who made more than minimum wage, and the only jobs I can find are part time or temporary. Mostly they try to pay minimum wage too. So we are short every month, with a new income of 29,000 a year. We were also in better shape than most, we did not have a lot of credit card debt and had been in our home for a long time. But I pay everybody something every month. Some companies will work with you if you talk to them and let them know what is going on. The company that I had worked for was sold and went bankrupt and we also lost all of our retirement....and we had always been doing the right thing about saving and not spending to much. I am always looking for better paying jobs, but with so many people out of work they can get away with paying nothing and giving no benefits.