The law and a few people as well, but this can happen anywhere.
For sure when it hits you, it hurts and ruins you financially.

I hope I get out of this hole, mainly digged by my ex-wife and the divorce laws here. Lawyers who try to shirk responsibility and work they want to get paid for.

There lies, once more, a lot of digging ahead of me, I hope I get out of it, before I get buried in it.