- You get behind in utility or rent payments.
- You have to consolidate several loans into one or reduce monthly payments by extending current loans to pay your debts.
- You cannot afford to pay for regular living expenses or credit payments.
- Creditors are sending overdue notices.
- The portion of your income used to pay debts is rising.
- This month’s credit balances are larger than last month’s.
- You are usually late paying some of your bills.
- You borrow for items you once bought with cash.
- You don’t have enough savings to meet expenses for at least three months.
- You don’t know how much installment debt you owe and you are afraid to add it up.
