Warning Signs
You might need debt counseling if you notice yourself doing any of the following:
- You lose track of how much money you owe and when it is due
- You have to choose which bills to pay and which to ignore
- You use one credit card to pay off another
- You find creditors are calling you constantly
- You end up borrowing money from friends and family to keep up with your debt
- You start to use your credit card to pay for basics like rent and weekly groceries
- Seems like no matter how much you pay your total debt continues to rise