The first couple $K came when I was doing traveling consulting and was paying expenses on my credit card and getting remibursed from travel expenses....
Me and some of my coworkers ended up several hundred to several thousand dollars in debt when the consulting company stopped reimbursing us.
Four months unemployement and trying to make mortgage and car payments and buy groceries sunk us into deeper debt.
Ironically, I would be able to work at a lot m,ore places and enjoy it and be happy with the salary based on my expenses, but the payment on my outstanding debt is so high that I have to stick with jobs above a certain threshold and they are harder to find, especially in a poor state like NM.