* You have been turned down for loans.

* You receive calls or letters from collection agencies.

If you think that you may have a debt problem, there is help. Credit counselors are trained to help you get out of debt in a

Most families in America today have a credit card; some have two or more. The type of credit card you own, gold, platinum, ext, is almost a status symbol in society. The concept is a good one, using your good credit to purchase big-ticket items that you may need time to pay for. If used wisely, credit cards can be a dependable resource, however, sometimes we are unaware of the fact that we are overspending. Some may think that if they are able to make the monthly payments, then their debt is under control. This is not always the case. These are some signs that you may be in or going in the direction of having a major financial crisis.

* You use your savings to pay monthly bills.

* You pay only the minimum monthly payments on any of your credit cards.

* You take out cash advances to pay your credit card bills, or other bills that you may have.

* You are over or nearly over your credit limit on one or more credit cards.

* You have been turned down for loans.

* You receive calls or letters from collection agencies.

If you think that you may have a debt problem, there is help. Credit counselors are trained to help you get out of debt in a

items that you may need time to pay for. If used wisely, credit cards can be a dependable resource, however, sometimes we are unaware of the fact that we are overspending. Some may think that if they are able to make the monthly payments, then their debt is under control. This is not always the case. These are some signs that you may be in or going in the direction of having a major financial crisis.

* You use your savings to pay monthly bills.

* You pay only the minimum monthly payments on any of your credit cards.

* You take out cash advances to pay your credit card bills, or other bills that you may have.

* You are over or nearly over your credit limit on one or more credit cards.

* You have been turned down for loans.

* You receive calls or letters from collection agencies.

If you think that you may have a debt problem, there is help. Credit counselors are trained to help you get out of debt in a

then their debt is under control. This is not always the case. These are some signs that you may be in or going in the direction of having a major financial crisis.

* You use your savings to pay monthly bills.

* You pay only the minimum monthly payments on any of your credit cards.

* You take out cash advances to pay your credit card bills, or other bills that you may have.

* You are over or nearly over your credit limit on one or more credit cards.

* You have been turned down for loans.

* You receive calls or letters from collection agencies.

If you think that you may have a debt problem, there is help. Credit counselors are trained to help you get out of debt in a

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