The debt collectors won't stop calling. Maybe they're making threats.
Perhaps they even have their facts wrong.
There's a mistake on your credit report, and it's keeping you from getting a loan.
You made all of your mortgage payments, but the bank is foreclosing anyway.
The loan you took out has all sorts of hidden terms that are imposing real burdens.
Someone stole your identity and has run up huge amounts of debt in your name.