Debt Warning Signs


“I remember putting off the problem. And that didn’t help anything. What’s that saying, ‘90% of a problem is knowing you have one.’ That was true for me. So much less stress when I decided to do something about my debt.”
Amanda, Los Angeles
  • You spend more than you make
  • Your credit card balances (debt) is rising
  • You are only making minimum payments on credit cards
  • You are choosing the longest term (amount of time) to pay back a loan
  • You have taken out a payday loan
  • You take out cash advances
  • You have maxed out a credit card
  • You don’t know how much money you owe
  • You are not opening your mail
  • You are receiving collection phone calls
  • You are living off your credit cards
  • Your seeking new credit card offers
  • You are paying off debt with debt
  • You owe more on your house than what it’s worth
  • You owe more on your vehicle than what it’s worth
  • You’re listening to the credit counseling ads
  • You’ve been denied credit or a loan
  • You missed payments
  • You argue about money with your partner
  • You are stressed about money all the time

No matter your situation, you have options and you can take action now.

Assess your debt with the debt list.

On to the next section!