Debt can spiral once you start getting into financial difficulties the bank charges and penalties can become unbearable and no matter what you throw at the debts they'll just keep growing.
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If your buying your own home and suffering financial issues the problems can be even worse, your house is it risk and even if you can keep up with mortgage payments it could still be lost.
You might not want to move house maybe you've been there many years, maybe you don't want the neighbours knowing about your issues, you might just want the time to stay their and think about what your going to do next if this is the case you could consider your sell and rent back options.
