So how did this economic crisis begin? It all started with the real estate boom near around six years ago, particularly with the sub-prime mortgage industry. Which debt negotiation company has proven to be the best. There were numerous numbers of people who were getting house loans that had no business getting them in the first place. Plus you toss in the fact there were scandal ridden mortgage dealers looking to make some money off of these vulnerable targets. The outcome of this situation is now there are record numbers of consumers are getting their houses foreclosed on. This equals disaster for the economy and has trickled down to hurt many other monetary sectors. The credit industry has been making it’s grip stronger and as a result charging these consumers unholy APR’s. Now we are facing major problems in the banking industry too with the bankruptcy of Washington Mutual. In turn this banking plague negatively affects the Dow Jones.