If this scenario occurs, you are then faced with
your original holiday debt load, plus interest and penalty charges, without any additional means to repay it.
But there were some nicely designed, creative images that caught my eye, like one from a bankruptcy law firm that outlines the
debt that can follow
holiday shopping, and this one, which outlines, in remarkably few words, how US laws are made (click the image to see the
original, large version):