Sign of Depression?

I'm no economist.

I like listening to the radio in the car, and prefer classical or songs where the human voice is heard clearly past the music. The stations specializing in the latter tend to be "oldies" and the ads have been for cosmetic surgery, medical treatments, nursing care for parents, and other such middle-aged attractions.

I've never heard so many ads for debt reduction ("We helped XYZ reduce their tax debt to 28 cents on the dollar!") in my life. Maybe it is a couple of firms getting really aggressive, or maybe demand is way up. With home equity loans getting harder to find...