Are you suffering from a holiday spending binge hangover? Perhaps you’ve recently been through a divorce, illness, the death of a spouse, or you lost your job. Finding yourself in debt and having a hard time keeping up with your mortgage payments—or you’re seeing your dream of buying a home this year drift away. You’re not alone. If you resolve to get out of debt this year, you’re in good company. A survey of 100 CCCS clients found that 70 percent had made financial-related resolutions in years past.