You frequently worry about money

You have family disputes over money

You have no savings for emergencies

You borrow money for basic living expenses

Pay minimum due or less on credit cards monthly

At or near the borrowing limits for your credit cards

Writing post-dated checks to  your creditors

Taking cash advances on one credit card to pay off bills on another credit card

Getting phone calls at work from creditors that cause stress and embarrassment.

Don't know exactly how much you owe

Credit card balances getting higher each month

Drug or alcohol abuse which may be related to worrying about financial problems

Child or spouse abuse triggered by financial frustration