The first situation is the need to care for children or family members. Very often, when a child is born, for example, taking parental leave reduces income, and then, when it’s time to return to work, if child care isn’t available, people often have no choice but to stay home longer. This was not planned at all; the child is at home and debts are piling up. This is a situation that has frequently been noted. In fact, in 14% of cases, debt is linked to the need to care for children or, at the other end of the spectrum, to a situation of caring for a family member. If a parent falls ill, once again, work hours must be reduced. Obviously, in this case, it is more often women who find themselves in this type of situation.
The second very common type of situation is job loss due to illness. This tends to affect men more.
Finally, the third scenario involves people with chronically low incomes, particularly those receiving social assistance. Often, a separation is also a factor in these cases. These are the three most common scenarios.