Now that you're no longer employed, it's important to re-adjust your budget and start cutting back on your consumption. If you continue to live your pre-unemployment lifestyle, your debt can quickly get out of hand and become increasingly difficult to pay off.
If you are job-hunting now or thinking about looking for a job next year, or if you are in a job that pulls credit reports, do your career a favor and take some time to look at your credit reports right now.
A lot of those people are facing a grim Catch 22. Because of the recession, they lost their livelihood and good credit, and now that damaged credit is preventing them from a finding a job to fix the problem.