I guess this means people will just have to stop using their credit cards and really,really think about what they are going to buy and what they can live without. Maybe taking on a second job, even if it's just for 8 hours a week. Many people are already doing this and still having a hard time and I truly feel for them. It's a lesson for us all. Don't sign a contract unless you have a lawyer to look it over, and if you can't afford a lawyer, you can't afford to buy a house.