Signs you need debt relief

• You don't have any savings.
• You lose sleep thinking about your debt.
• You make minimum payments on your credit cards.
• You get calls from debt collectors.
• You're afraid to look at your statements each month.
• On the same token, you have no idea how much you owe.
• You use credit cards for things you should buy with cash, such as groceries, gas, or utilities bills.
• Your debt is putting an added stress on your marriage.
• Your credit card debt to income is at or near 20 percent.
• You have more than three major credit cards.
• You lie to your spouse or other family member about your spending or hide credit card statements from family members.
• After you pay your credit card bill, you increase your balance by the same amount (or more) the following month.
• You're at or near your credit limit on your credit cards.
• You write a check hoping that you have enough time to make a deposit before it clears.
• You take out cash advances on your credit card to pay other bills.
• You've been denied credit.
• You’ve bounced checks.