Here are fifteen instances that could indicate that
your balances are getting the better of you and that money counseling might
help.. locate an institution to consolidate card debt
Your department store card balances are rising while
your income is decreasing.
You are only paying the the least amount required on
your accounts, or maybe even less than the minimums.
You're juggling debt and bills. For example, you apply
for another department store card and use cash advances from it to pay an
existing credit card.
You have more cards than a successful gambler has
poker chips
You are at or perilously near the limit on each of
your charge cards.
You systematically charge more each month than you
make in payments.
You are working overtime to keep up with your credit
card payments.
You don't know how much your ballances are and really
don't want to find out.
You have received phone calls or letters about
delinquent debt & bills payments.
You are using your charge card to buy necessities like
food or gasoline.
Your charge cards are no longer used for the sake of
convenience, but because you don't have money.
You are dipping into savings or your IRA to pay your
monthly debt.
You are hiding the cost of your purchases from your
spouse.
You're playing the card game by signing up for every
charge card that sends you an unsolicited offer.
You have just lost your job, or are fearful that you
are about to, and are concerned about how you will pay all your bills.
If you have the unfortunate circumstance of relating
to these warning signs don't panic you have options. Speak with a credit
counseling or bills advisor, most will give you a free consultation and a
quote. locate an institution to consolidate department store card debt and
bills
