The economy is heading south, foreclosures are at an all-time-high, and if you are under serious financial pressure with the walls closing in, you’re not alone. In short, there are a number of factors in today’s economy that individually would not be of much significance to your financial situation, but this year they may all come into alignment to create financial hardships for millions of hardworking Americans. Despite the optimistic Congress that may generously be rebating you a few extra tax dollars out of the governments pocket this year, the “economic stimulus” package will not keep you out of bankruptcy.