Your bills are overdue and your credits are always contacting you for payment.
You are only paying the minimum on your credit cards.
You take cash advances from your credit cards.
You borrow money from family or friends.
Your wages are being garnished.
Bill collectors call you at work for payment of your bills.
You pay interest and service charges on your debts because you can't pay on time?
You spend more than 40% of your take home pay on your rent or mortgage, house maintenance and utilities?
You are making arrangements with your creditors to catch up on missed payments.
