They are shocked by the increases (in monthly payments) they are getting.

Some monthly minimum payments could be twice what they were.

We wanted to keep our monthly payments similar to what they are now, and we can do that by splitting it three ways.

We're a what's-my-monthly-payment nation. The idea is to have my monthly payments as high as I can take. If you cut interest rates, I'll get a bigger car.

People often turn around and charge up their credit cards again.

Today there are close to 30 million U.S. households, or one in four consumers, spending more than they can afford. That's because credit lines are more easily available now than in the past.