Real financial difficulties can take many forms, such as unemployment,

Financial difficulties in good faith
Real financial difficulties are both inconvenient. Paying off creditors’ debts is a goodwill barrier.
“I don’t have enough money to pay the bills,” which is not a financial difficulty. This is just a description of your financial difficulties.
In the minds of creditors, real financial difficulties are usually things that you cannot easily foresee or ease. Difficulties that represent a permanent change in the consumer’s situation are stronger than those that are clearly short-term or have obvious termination points.
Real financial difficulties can take many forms, such as unemployment, reduced working hours or wages, personal medical problems affecting work ability, family medical problems leading to capital loss, and sudden increase in cost of living. The price of a child who reduces two income families to one income, and the divorce produces two families to obtain income from the income that can only feed one family before.