Conrad Goetzinger and Cassandra Rose struggle to pay their bills as $760 is garnished from their paychecks every two weeks by debt collectors. Twice, Goetzinger's bank account has been emptied by collectors after he failed to payoff a loan for a laptop. Eric Francis/AP for ProPublica hide caption

itoggle caption Eric Francis/AP for ProPublica

A soldier guards a pipe en route to the Kawergosk Refinery near Irbil, the capital of the autonomous Kurdish region of northern Iraq, in July. Fighting in northern Iraq forced the closure of the country's largest oil refinery, Baiji, and cut production from the Kirkuk oil field this summer. Safin Hamed/AFP/Getty Images hide caption

itoggle caption Safin Hamed/AFP/Getty Images

Kevin Evans relaxes in his small apartment after arriving home from work. Evans, who lost income and his home in the recession, is now having his wages garnished after falling behind on his credit card payments. Colin E. Braley/AP for ProPublica hide caption

itoggle caption Colin E. Braley/AP for ProPublica

Apple CEO Tim Cook speaks in Cupertino, Calif., on Tuesday. The company unveiled a new mobile payment system called Apple Pay, which uses security built into the latest iPhones. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images