We live in a troubling time regarding consumer debt. For years (or perhaps for decades), Americans have become accustomed to spending more than they earn. Through the miracle (or curse) of a credit card and all its charging privileges, more and more people have come to join the financial club for those drowning in debt with no end in sight.
Bankruptcy may seem like a frightening scenario, but there are other scenarios that are more frightening, and they may already be part of your everyday experience. Here are 10 simple signs that your debt is out of control and that you may need to sit down with a financial adviser or even a bankruptcy lawyer:
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-- you and your spouse fight on a daily basis because your debt is out of control and you have no ideas for how to fix it.
-- you wake up in the middle of the night or have trouble sleeping to begin with because you're constantly worrying about your looming debt problems
-- you avoid answering the phone or feel nervous every time it rings because you know it's probably a bill collector trying to get payment from you
-- you take a cash advance from one credit card to pay another credit card
-- you avoid visiting the doctor despite some troubling symptoms because you cannot afford the co-pay on your insurance
-- you constantly are asking your friends for small loans in order to buy groceries or make your car payment
-- you're having difficulty paying the minimum payments on your credit cards
-- you avoid getting important preventive care such as a dental checkup because you can't afford the dentist bill
-- you have to use your credit card to make a small purchase at a fast food restaurant or to buy gas
-- you are starting to sell off some of your treasured belongings in a garage sale or at a pawn shop to raise some much-needed cash
If some of these scenarios are familiar to you, you definitely have a financial crisis on your hands. You don't have to be starving or losing your house in order to consider bankruptcy as an option, either. If you can't see yourself paying off your debts during the next few years while maintaining a reasonable standard of living, you should at least consider the possibility. No one is saying that you should take bankruptcy likely or that you should make a decision without thinking things through. However, speaking with a professional is a good idea.
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