Unpleasant to say the least, I have had my share of septic issues since moving to the current place. Started out by having the pump (yep, I have an effluent pump to get water to the drain field) take a dump in November of 2012. Cold ass day to replace the pump, and in doing so a little tiny piece of gravel got perfectly stuck in the drain hole of the riser pipe. SOB would let the line to the drain field freeze every night, and then in the daytime it would warm up enough to thaw. Took a while to figure that one out! Also had to redo the electrical to the pump as it was so corroded that the wires were literally "welded" to the outlet screws. Grrr...
Once I got all that figured out and solved, the actual drainfield failed the next summer. Thankfully, the guy who replaced it didn't charge the normal arm and a leg, got it replaced for about $3k as opposed to the $9-12k others were charging in the area.
People who complain about city sewer and water just have no idea how crappy it can be to own your own systems.