Utility companies have cut off service because of outstanding bills.
I pay one creditor one month and another the next because there's not enough money to pay both.
I pay excessive interest or service charges because I don't pay bills on time.
I am renegotiating loans to cut monthly costs or looking for a consolidation loan to pay off old bills and a few new ones.
I am looking for a consolidation loan to pay off other consolidation loans.
Financial problems are affecting my health, job or marriage.
If you answered yes to any of these statements, you have financial problems and are heading for trouble. The longer debt is ignored, the worse it gets and the more difficult it becomes to fix problems.