(DENVER, Colo.) The crowd was roaring and the stage and atmosphere was more of a rock concert than an acceptance speech.

FORT LAUDERDALE, Fla. - On the eve of Independence Day No. 232, millions of Americans are probably feeling as anxious as those 56 white men who signed the Declaration of Independence.

Americans try and manage bills every day, week and month of the year. However, sometimes the budgeting falls apart. Americans can't make it. A gleaming neon light on main street America suggests a quick fix.

The dark world of payday loans has got a grip on Americans. In California alone, there are more centers to get a loan based on your next paycheck than there are McDonald's restaurants. A number of factors contribute to this rising trend. People with no savings, credit cards or other financial resources often find themselves tempted by these online and retail centers.