Are creditors calling you at home or sending you letters demanding payment?
Are you borrowing money to pay old debts?
Do you and your spouse argue frequently about credit problems, or avoid discussing the subject altogether?
Review your monthly payments to creditors. Do they eat up more than 20 percent of your total take-home pay, not including rent or mortgage payments?
Have you received a threat of a lawsuit, garnishment or repossession from a creditor?
Are you paying only the minimum necessary on your credit card balances?
Are you depending on overtime, moonlighting, a Christmas bonus or lottery winnings to meet your routine expenses?
Do you need to take out cash advances from your credit card to pay other creditors or daily expenses?
Are you making late payments or skipping some payments entirely for a month?
Are you withdrawing your savings for day-to-day expenses?
