In the past 10 years, Americans have seen their fair share of financial problems. With the collapse of the housing markets and massive hikes in credit card debt, the average American has been faced with challenges that have proven particularly difficult to overcome. For many, credit card debt is just too much to handle. With easy credit lines being available to cover everyday costs, the interest rates alone can pile up on what real money is available to spend. As a result, consumers may link together credit cards, paying one off with help from another, and so on.