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Is it time for a financial SOS?

If worries about bills are keeping you up at night or you're not answering the phone for fear of bill collectors, you might want to consider professional help. At the very least, you need to tackle your debts to organize and vaporize. Here's how to recognize the warning signs of overwhelming debts and how to get the help you need.

 
15 signs you need debt-reduction help

If you recognize yourself here, it's time to call in a financial fitness expert.

 
Spin our debt-o-meter to discover your debt rating
Do you suspect you have a problem handling credit? Our quick quiz will set the record straight.
 
How to pick a credit counseling firm

Once you've decided to seek professional guidance, choose your counselor wisely.

 
 
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What to ask a credit counselor
Unfortunately, there are some bad credit counselors out there. Make sure you get a good one by asking the right questions.
 
Frequently asked questions about credit and debt counseling

Our experts explain some of the most common problems facing consumers who feel overwhelmed with debts.

 
Good debt vs. bad debt
A mortgage is usually good debt. Buying more clothes you don't need on credit is not.
 
 
 

 

 
-- Updated: April 12, 2005
   

 

 
 

 

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