The general situation is that the lending qualification is not strict, a large number of unsecured credit loans flooded the market, once the inability to repay and insolvency, can only be heavily indebted.
There is another, entrepreneurship, although nine deaths, but never publicize the one that is born, resulting in a lot of people have dreamed of being able to rely on entrepreneurship to get rich, the results because of the lack of experience, was photographed dead on the beach.
Personal situation is, overspending, blind confidence in entrepreneurship, in order to family life to go into debt (including marriage, medical expenses, etc.) as well as by some of the influence of vices.