Come to think of it, one of the scariest things I've ever seen was a documentary I saw on Netflix a few days ago called "Maxed Out"! Now, it's not a horror film, but certainly was extremely scary and terrifying since this is something that effects all of us (or has the potential to). It shows how easy it is to get into such massive extreme debt, how it ruins your credit, and makes it completely difficult to ever get out of a mess like this. You can't count on the government to help you out since they're the biggest debt offenders and they're the ones that enable the credit companies to get away with what they do by passing legislation bills that are literally written by the banks.