Signs of a Debt Problem

• You missed paying some of your debts on time or missed the payment
• You don't know the balance or full amount or the debt you owe
• You tend to have to use credit cards or credit lines instead of paying cash
• You can only afford to pay the minimum amount due on your credit statements
• You have no savings and spent your savings and have nothing for emergencies
• Your creditors or their bill collectors are calling you looking for payments
• Your credit limits on your credit lines or credit cards are maxed to the limits