When you are young, it is easy to make a habit of revolving credit lines. As you get older, however, the debt you maintain should be lower, since you want to be able to pay it off prior to retirement.
The bills continue to pile up and each month requires tougher and tougher decisions about what to pay. This may be related to a illness or unexpected job loss or it could be incrementally falling further behind each month. Bankruptcy offers a financial reset and can put a stop to creditor harassment.