Much of the problem with credit card debt is that it often starts with a basis in other issues and builds when those issues do not resolve themselves. This then becomes a downward spiral that can trap people until they are in over their heads.
For example, there was a reported rise in credit card debt in the United States back in 2008 and 2009, right when the housing market crashed. When that happened, it took a lot of the economy with it, and many people lost their jobs.
Suddenly out of work, people needed a way to buy the things they couldn't live without. They started buying groceries with credit cards, paying the heating bills or paying for care at hospitals. They had no way to pay that money back, but they also had no choice.
When they didn't pay it back, of course, interest rates kicked in. Those who could not get jobs were completely buried. Those who could get jobs still faced mountains of debt. Those mountains just got taller as the interest continued to stack upon itself.
It does not take long for a situation like this to spiral out of control, and then people are in so deep they cannot get back out of debt without drastic measures. Even those who are very good with money can find themselves in this situation in a matter of months.
If you're facing incredible amounts of credit card debt in Washington, you do have legal options and alternatives. Make sure that you look into everything that you're able to do to put the debt behind you.
Source: Huffington Post, "The Credit Card Debt Crisis: The Next Economic Domino," Arianna Huffington, accessed May. 01, 2015