There are certain things which are common with people who are facing financial trouble. We have provided a check list which will help you determine if you need debt counseling advice.

• If you lost your job and have no idea how you will pay your bills then you probably need debt counseling advice.

• If you and your spouse are unaware of the things each one of you buys then you may need debt counseling advice before you get yourself in trouble.
• Do you sign up for every credit card you are offered? If you do then you probably need debt counseling advice.
• Do you need credit cards to simply survive? If you do then you really need debt counseling advice.
• Do you use your savings to pay credit card bills? If yes, then you probably need debt counseling advice.
• Are you getting letters and phone calls from your creditors? If yes, then you most likely need debt counseling advice.
• Do you pay your bills with credit cards because your bank account does not have enough money? Then you surely need debt counseling advice.
• Can you roughly estimate how much you owe of the top of your head? If you are completely clueless then you need debt counseling advice.
• Are you thinking of getting a second job to pay off your credit cards? Then you must get debt counseling advice.
• Have you maxed out every credit card? If yes, then you probably need debt counseling advice.
• Do you spend more every month than the money you make? If yes then you really need debt counseling advice before you get yourself in real deep trouble.
• Do you have more credit cards than pictures of your kids? If yes, then you may need debt counseling advice.
• Do you use one credit card to pay for another? Then you really need debt counseling advice.
• Are you only able to make minimum payments on your credit cards from month to month? If yes, then you seriously need debt counseling advice. Of course this does not include those rare occasions when you make minimum payments only twice a year.
• Is your income decreasing and credit card balances increasing? If yes, then you are going to get in real trouble if this goes on long enough. So you probably need debt counseling advice.

Just remember to be honest with yourself and take control of the situation before it gets out of hand. It’s a lot easier to fix a problem in its early stages.

Posted in Debt Consolidation