On the first day of Christmas, my true love gave to me…
A Foreclosure for a fee.

The second verse:
On the second day of Christmas, my true love gave to me…
2 Traffic Tickets
And a Foreclosure for a fee.

The third verse begins to show some metrical variance, as explained below:
On the third day of Christmas, my true love gave to me…
3 Large Bills
2 Traffic Tickets
And a Foreclosure for a fee.

…and so forth, until the last verse:
On the twelfth day of Christmas, my true love gave to me…
12 Public Options
11 SS Cuts
10 Defecits
9 Tax Audits
8 Demands for Payment
7 Student Loans
6 NODs
5 Delinquencies
4 Credit Cards
3 Large Bills
2 Traffic Tickets
And a Foreclosure for a fee.

Hah Bumhug!