For a range people being in debt is often exceedingly stressful, the pressure of being in debt makes it hard to worry about everyday living and bills, if you have been receiving telephone calls and letters from creditors it makes life even worse, at times debt can be so bad that you have to consider filing bankruptcy because of the debt burden.

Prior to the debt beginning to pile up to excessive levels, there are warning signs to indicate that you could possibly be headed for problems, below are the 20 worst debt warning signs.

1. It starts to become difficult to payment normal bills.
2. It becomes increasingly hard to make ends meet each month.
3. You're spending more dollars than you earn.
4. You discover yourself using credit cards to pay for normal items such as groceries.
5. Your credit card balances continue to grow.
6. You have a good number of credit cards that are at or close to the credit limit.
7. You start lowering your monthly credit card payments.
8. You're juggling credit card re-payments, holding off one credit card to pay one more.
9. You dip into your savings to cover non-emergency items.
10. You find it difficult to save even the littlest level of cash each month.
11. You are getting telephone calls or letters or both from creditors and debt collectors.
12. You are unaware of the amount you owe and are frightened of finding out.
13. Credit cards become a necessity instead of a convenience.
14. You have to borrow cash to pay your monthly bills.
15. You apply for new credit cards because you don't have any cash.
16. You hide how much you're spending from your family and friends.
17. You've recently been denied a credit card or loan.
18. You have no method of paying for unprepared items like car repairs and medical bills.
19. You have given thought to filing bankruptcy.
20. You delayed going to the hospital or doctor because you can't pay the co-payment.

If you answered yes to one or more of these 20 worst warning signs, then you could possibly be headed for debt issues, hopefully you are early enough in the stages of any debt problem that you can start a preventative process now, by beginning to budget, chances are if you've been having trouble paying bills and other items each month, you have not been living by a budget, what better time to start than now, additionally cut back your spending, use your budget to evaluate your spending, make a record of leisure items such as movie rentals, entertainment and restaurant meals.

Importantly, obtain debt help look for consumer credit/debt counseling services to assist you in paying off your credit cards, by commencing your debt consolidation solution today, you may become debt free in the future.