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It's 2016 and everyone is talking about recovery. The housing market is bouncing back, people are trusting their money again - investing, spending - it's all up. But the people who weren't high enough on the food chain at the start of the crash, those who maybe didn't have enough to start with, now find themselves ruined by bad credit, mounting bills, and lives in shambles. Can you relate? Do you feel left in the back of the crowd? I don't blame you. The country's economy is in recovery, so why is your life still so shattered? Does this scenario sound familiar to you? Maybe it's someone you know. So what do you do? What does someone do whose life is in tatters with no foreseeable way out? Should you just go on, accept that this is the new normal?