When I started to think it couldn’t become any worse the retail sectors are being greatly negatively effected as well. Not enough debt settlement services have helped me out. With so many people losing their work and income not a soul is hitting up the stores and spending hard earned dollars on consumer merchandise which is the strength of a strong economy. Huge sums of small businesses are suffering the effect from such hard times and will be slamming their doors in 2009 as a result.