"They've been using credit cards to live on. Their mortgages are out of control," she said. "A lot of people have maxed-out credit cards. They're just not able to get out from underwater."
The Mean Economy: Even law firms hit hard by recession →
"People are trying to scrape together money any way they can. They are trying to go back to school and learn a new profession or taking small part-time jobs that don't pay well -- anything they can to pay their bills," she said.