More and more people are getting into debt because of how easy it is to get a credit card or to switch credit companies. Most people don’t want to be in debt, but sometimes circumstances are out of their control. Let’s say you’re in a two-income household and your partner loses his or her job. You still have car payments, house payments, daycare, and other bills to pay. These don’t stop when you lose your job. You may be able to defer...