Some say money makes the world go 'round. Others claim it's the bane of their existence. You may fall somewhere in between these two schools of thought, perhaps depending on the current state of your finances. It's easy to become discouraged or feel overwhelmed when a financial crisis hits. It's also not uncommon, especially in New York and other high-cost-of-living states. A key factor to getting back on your feet is knowing what options are available to help you overcome serious financial problems.